Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

View other Zopa products

4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews See your 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44349)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

I have found Zopa to offer excellent value for money...

I have found Zopa to offer excellent value for money and service. They keep me informed and up to date on my account. Reviewed on: 15th January 2025

Easy application process

Very easy loan process and funds paid same day. I was able to repay early and got money refunded! Competitive rates too. Also have a credit card and again the application process was easy. Highly recommend. Reviewed on: 15th January 2025

Quick and easy app to use

Quick and easy app to use and easy to install Reviewed on: 15th January 2025

Zopa a Great Service

Easy to use, great service and support from Zopa. I would recommend it every time Reviewed on: 15th January 2025

Gives a chance to improve your credit score with sen...

Gives a chance to improve your credit score with sensible credit limits Reviewed on: 15th January 2025

Zopa is very good in all aspects ,small suggestion i...

Zopa is very good in all aspects ,small suggestion is to increase credit limit fastly based usage and regular payments Reviewed on: 15th January 2025

Very good service and easy to pay abroad, happy use...

Very good service and easy to pay abroad, happy use again. Reviewed on: 15th January 2025

Easiest application, fast decision and ease of use i...

Easiest application, fast decision and ease of use is superb Reviewed on: 15th January 2025

Zopa have made things so much easier for me to manag...

Zopa have made things so much easier for me to manage everything happening at the moment Reviewed on: 15th January 2025

Great and straight forward customer care.

Great and straight forward care. Zopa makes customers feel comfortable and confident in the product Reviewed on: 15th January 2025

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

Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
123 credit card (discontinued)
from Santander 4.18 from 162 reviews
Credit card
from Zable 4.82 from 123698 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 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