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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)

Simple and upfront!

Very easy to deal with. No fuss no hassle Reviewed on: 22nd February 2023

Easy as pie

Impressed, easy app, easy set up and no issues, more than happy to have it and only once had it locked by my own error, the mobile app sorted it within 10 minuts Reviewed on: 22nd February 2023

Easy to use

My zopa credit card is so easy to use, good interest rates, excepted in most shops abroad zopa check every 6 months to see how your spending and if your entitled zopa will offer a credit increase. Reviewed on: 22nd February 2023

Amazing

Amazing credit card,good money for spending Reviewed on: 22nd February 2023

Great company, great deals

Zopa is easy to apply for &set up a direct debit. I'd recommend thus company highly Reviewed on: 22nd February 2023

Happy

I’m very happy with my Zopa credit card Reviewed on: 22nd February 2023

Amazing easy app

Low interest and really good service and are very efficient and quick with any type of service Reviewed on: 22nd February 2023

Foundation for Credit Building

Having great credit in a foreign country was irrelevant when moving to the UK. I struggled to ‘rebuild’ and establish my credit and Zopa was the first card I got. I could not put have built my credit again so easily had it not been for their service. Great app, easy payment, the company is great and I highly recommend their credit card for anyone in a similar position. Reviewed on: 22nd February 2023

Great so far

So far zopa has been fantastic. Very helpful app and very helpful staff on the phone. Reviewed on: 22nd February 2023

Wonderful Zopa

I have had my card for some time now and find it easy to use, no jargon language. Plain and simple. Thanks Reviewed on: 22nd February 2023

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