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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 2026

Latest lowest rating:

1

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

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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 (44343)

Easy to set up accounts and to manage in a...

Easy to set up accounts and to manage in a good app Reviewed on: 15th January 2025

Fantastic card

Unlike other credit cards when making a payment you have to wait ages and in some cases days for the payment to register. ZOPA was my first credit card to credit my account instantly. Reviewed on: 15th January 2025

Bad credit score

Well my credit score was really poor less that 250 but having one of ur cards it’s doubled and some in a short space of time Reviewed on: 15th January 2025

Great, easy to use and fast responses

Quick application and can manage account easily and efficiently via the app. Reviewed on: 15th January 2025

Your work is good

Your work is good and nice credit and everything Reviewed on: 15th January 2025

Never had any issue with my account and reasonable i...

Never had any issue with my account and reasonable intrest rates Reviewed on: 15th January 2025

Easy start to finish and fast

Easy from start to finish and fast Reviewed on: 15th January 2025

Easy recommend

When I found myself in need of extra cash and facing a financially challenging situation, Zopa came to my aid. Their support not only provided me with the funds I needed but also played a crucial role in helping me regain control of my finances. With their guidance, I was able to work on improving my credit score, which has been a significant step towards achieving my financial goals. Zopa's assistance truly made a difference during a difficult time, allowing me to get back on track and feel more secure about my financial future. Reviewed on: 15th January 2025

Very useful.

I didn't think that I needed a card but my experience with Zopa disproved that as on several occasions when my Bank card was rejected Zopa was there for me. Their billing is very straightforward. Reviewed on: 15th January 2025

Easy access,helpful and professional staff

Easy access,helpful and professional staff Reviewed on: 15th January 2025

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