Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

Zopa is very good bank but I wish to have quicker cr...

Zopa is very good bank but I wish to have quicker credit increase limit, I keep good payment Reviewed on: 15th January 2026

Easy to apply and fantastic customer service team al...

Easy to apply and fantastic customer service team always on hand to help, the App is also very user friendly and you can keep up to date on what you have spent Reviewed on: 15th January 2026

Excellent service.

Excellent service. Make a payment easy and clears pretty much straight away Reviewed on: 15th January 2026

Brilliant credit limit for a new customer and

Brilliant credit limit for a new customer and Reviewed on: 15th January 2026

Zopable Future!

Zopa have been responsible lenders who have got a great costumer experience other lenders could learn from! Reviewed on: 15th January 2026

Whenever I have needed help they are always so nice...

Whenever I have needed help they are always so nice Reviewed on: 15th January 2026

ZOPA MOBILE APP

I applied for this card and the security is very good received the card via post you have to call to activate immediately I was able to use it very good just keep up payments no trouble to your credit Reviewed on: 15th January 2026

Zoom zoop away excellent product

The app is easy to navigate and call handlers very polite and professional Reviewed on: 15th January 2026

One of the best credit card forever, I would like to...

One of the best credit card forever, I would like to refer this Card for everyone Reviewed on: 15th January 2026

Zopa have been great within the last 2 months of hav...

Zopa have been great within the last 2 months of having an account Reviewed on: 15th January 2026

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Everyday credit cards
from Lloyds Bank 3.99 from 63 reviews
Credit card
from Luma 4.00 from 2 reviews
Platinum Cashback Credit Card
from American Express 4.57 from 69 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5801 reviews
Smart Saver
from Zopa 4.94 from 7494 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub