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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

What is this award?

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

Great card and interest rates.

Great card and interest rates. Customer service are very helpful also. Reviewed on: 18th January 2026

Never had any issues and customer service is great

Never had any issues and customer service is great Reviewed on: 18th January 2026

Good interest rate no heavy charges

Good interest rate no heavy charges Reviewed on: 18th January 2026

Simple to use and navigate through the app great ser...

Simple to use and navigate through the app great service no complaints Reviewed on: 18th January 2026

They got your back!

Transactions are always uncomplicated and I appreciate that most of all. Reviewed on: 18th January 2026

Simple, transparent and easy to manage

I’ve had a very smooth experience with Zopa so far. The application process was quick and straightforward, and I received a decision almost instantly. The app is easy to use, clearly shows balances and repayments, and makes managing the card stress-free. Customer communication has been clear, with no hidden charges, and everything works as explained. Overall, it feels transparent and reliable compared to many other credit card providers. I would recommend Zopa to anyone looking for a simple, modern credit card Reviewed on: 18th January 2026

Excellent service and brilliant app

Excellent service and brilliant app Reviewed on: 18th January 2026

Great all around, simple, easy and straight forward.

Great all around, simple, easy and straight forward. Reviewed on: 18th January 2026

Useful for financial emergencies.

You can spread the cost of purchases. You can buy something now and spread the cost over several months. You can borrow interest free. If you repay your bill in full each month you won’t pay any interest (unless you’ve mae cash withdrawals). You can build up your credit history. If used responsibly, they help improve your credit score. You can earn rewards. Useful for financial emergencies. Using your credit card is faster than getting a loan. Reviewed on: 18th January 2026

Fantastic, easy to access balance on app, very strai...

Fantastic, easy to access balance on app, very straightforward Reviewed on: 18th January 2026

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