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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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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

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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 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 (44350)

Would 100% recommend to a friend!

Really great and supportive customer service - so easy to contact/solve any problems and super friendly :) Reviewed on: 11th April 2023

Very flexible, helpful, understanding.

When I first applied, I didn't think I would get accepted for the credit but it was suggested through Total Money app. It came at the right time and they helped me out loads with my needs. The app is brilliant too. Not waiting around on the phone and instant messages and updates to your phone and you can pay via the app and see your balance going down. Easy access. Reviewed on: 11th April 2023

Reliable company

Very good for special holidays, gifts and big shoppings . Reviewed on: 11th April 2023

No Problems

Never had any issues or had any problems Reviewed on: 11th April 2023

Brilliant Zopa!

Really easy to use the app, check your balance and make payments Reviewed on: 11th April 2023

Great & easy to use

Had no issues with Zopa and have found the app extremely easy to use, I also like the cushion option Reviewed on: 11th April 2023

Great service

Great easy to use service with full transparency Reviewed on: 11th April 2023

Best credit card i have

Its a nice company to have a credit card with very friendly and understanding Reviewed on: 11th April 2023

Zopa.. The Smart Credit Choice

Zopa has always been there when I needed them.. great credit card company, accessible app. Friendly and helpful staff dedicated to customers and responsible lending. Would recommend in an instant. Reviewed on: 11th April 2023

Flexible and helpful

Great card company and very helpful customer service Reviewed on: 11th April 2023

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