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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

36% 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)

Zopas app great, credit buffer fab

Zopa app is so clear, concise, tells you what you need to know. Credit buffer offers peace of mind that interest added will not send me over limit. One off payments are easy. Reviewed on: 23rd February 2023

Perfect

I did a balance transfer with Zopa and found the really easy to deal with and the app is user friendly. Your deposits show straight away unlike most credit card providers. Joy to deal with. Reviewed on: 23rd February 2023

Good credit builder

Lived abroad for many years so no credit history in UK. Using Zopa and various other cards to build history. Average to high interest rate but to be expected with little history. Good experience so far. Reviewed on: 23rd February 2023

Very satisfied

I am happy to use this card and I sincerely recommend m Reviewed on: 23rd February 2023

Amazing

Love the app. Easy to use no concerns with using the card or app. Reviewed on: 23rd February 2023

Excellent

Excellent good service of zoopa to provide money Reviewed on: 23rd February 2023

Easy to use

I just love Zopa products! They are always there when you need it the most! Reviewed on: 23rd February 2023

Simple and manageable

This is very simple to use and manage so everything is at your fingertips. Reviewed on: 23rd February 2023

Practices what it preaches

A supporting hand when most needed Reviewed on: 23rd February 2023

Simple to use, a real boost to credit rating

Zopa was a simple application. Pre approved. Sensible initial credit limit Reviewed on: 23rd February 2023

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