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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)

Every month the bill is generated on the same day, y...

Every month the bill is generated on the same day, you can keep tabs of your spending on the app easily enough Reviewed on: 15th January 2026

The repayment is fantastic and the statement is unde...

The repayment is fantastic and the statement is understandable. Giving me an early notice about my repayment makes it easy for me to plan ahead. Reviewed on: 15th January 2026

Easy to access account

Easy to access account clear connections Reviewed on: 15th January 2026

Easy to apply.

Easy to apply. Customer service is great and friendly Reviewed on: 15th January 2026

No problems experienced

Had no problem, always let me know if going over balance and when payment due. Payment taken on scheduled day. Plenty of notifications about account. Reviewed on: 15th January 2026

I am very happy with with zopa from the rates to cus...

I am very happy with with zopa from the rates to customer service Reviewed on: 15th January 2026

Excellent experience with ease of use

Excellent experience with ease of use Reviewed on: 15th January 2026

The application was very straightforward and easy to...

The application was very straightforward and easy to apply Reviewed on: 15th January 2026

Realy easy to pay balance and excellent rates

Realy easy to pay balance and excellent rates Reviewed on: 15th January 2026

Seamless application and everything I needed was sor...

Seamless application and everything I needed was sorted by Customer Service Reviewed on: 15th January 2026

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