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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)

Use abroad

I have used the Zopa card abroad on holiday without incurring transaction charges.My credit limit has increased so I do not have to go above 70% of my credit limit which the credit reference agencies do not like. Recommended for use abroad. Reviewed on: 3rd April 2023

Very user friendly

Very user friendly and easy to use app Reviewed on: 3rd April 2023

Absolutely amazing company

I was declined for a credit card when I needed it the most. Zopa accepted me straight away and have been nothing but helpful. I would recommend them to anyone and everyone I can Reviewed on: 3rd April 2023

User friendly

Fantastic company-very user friendly Reviewed on: 3rd April 2023

Fantastic

Fantastic they can’t do enough for me Reviewed on: 3rd April 2023

What you see is what you get

Ever since I was accepted for a ZOPA card I have always felt looked after, no matter to whom I have spoken at ZOPA. A very professional team who have always seemed to have their customers concerns as their priority. I always talk to a knowledgeable person and never has had to pass me from one person to another because they couldn’t help me. That is, unless they have to pass you to another team. I have had no problem recommending ZOPA to my family and friends and will be continuing to do that knowing they would receive the same professional assistance as I have always been able to get. Reviewed on: 3rd April 2023

Great Card great App

All round easy to use and accessible, very good App Reviewed on: 3rd April 2023

Excellent services

Very helpful in dealing with costumers queries/needs. Reviewed on: 1st April 2023

Very good and helps credit rating.

Very easy to use app, and good info on app, informative and easy to use Reviewed on: 1st April 2023

Credit card

Good interest, nice app and pots functionality is great Reviewed on: 31st March 2023

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