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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

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4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41972)

Very good service

Excellent service very handy very easy to use Reviewed on: 18th March 2021

great company

Easy sign up , staff very quick and reliable I had an error with my address and was picked up very quickly and didnt ruin my chance of getting an account , would highly recommend. Reviewed on: 18th March 2021

Great company

Makes everything easy. Pleasure to deal with always. Reviewed on: 18th March 2021

Easy to use and no hastle

Small interest, no fees, easy to use app. What’s not to like Reviewed on: 18th March 2021

Great app!!!

Very nice to be with Zona!!! I love this bank! Reviewed on: 18th March 2021

Desperate for credit????

I’m grateful that I was able to get this card for £300 credit however, Zopa told me that they wouldn’t be upgrading mine or anyone else’s account for higher credit , so if you’re wanting to build a credit rating and expand on Zopa credit in time then you’ll be disappointed. I was hoping to show my commitment and prove that I’m a good customer and in return have my credit upgraded gradually. Unfortunately I was wrong. Reviewed on: 18th March 2021

Best and organised

Since been with zopa it's well organised and the app is brilliant so you know what your spending and keep up to date with your statements. Reviewed on: 18th March 2021

dear Team, I would like to inform you your company is very amazing

I impressed your company. Your company staff and all perfect easly contact and all good. Reviewed on: 18th March 2021

My Review

Easy application with instant decision Reviewed on: 18th March 2021

Zopa

Brilliant card..the app is easy to use and the fact that it doesn't take 2 days for payments to clear unlike other cards is a real bonus. Well done Zopa Reviewed on: 18th March 2021

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