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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44341 reviews)

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4.94

Based on 44,341 reviews, last reviewed 9th 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

Easy to apply Easy to apply, great customer service and a clear and simple App. Reviewed on: 9th 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 (44341)

Great experience

Great experience from start and during.. I don’t have the best credit score and I got this to build my score. Just thankful they gave me a chance Reviewed on: 21st February 2023

Easy to use and deal with

Fantastically straight forward app which is phenomenal to use. Have never needed to contact support once. It just works. Reviewed on: 21st February 2023

Good

Good was good experience I’m happy Reviewed on: 21st February 2023

Easy the app is fab

Love the App and card is so easy to pay off and see live limits Reviewed on: 21st February 2023

I am with zopa and have been for some years now and I have not had nothing bad to say about them

I have not had any thing to say about zopa,all the stuff are pleasant and nice to help you Reviewed on: 21st February 2023

Good service

Very good company don't just up limit quicky. So you don't get into more and more debt. Reviewed on: 21st February 2023

No pushing just help!

Zopa have done exactly what they said they would, provide good service and good communication. As someone who I building credit I’m still bombarded with “offers” and dangling credit in front of me hoping to push more to be taken. Zopa don’t do this! They offer support if they see you need it and don’t continuously send out offers for more credit. Reviewed on: 21st February 2023

Very good

Really impressed with all features of this card Reviewed on: 21st February 2023

Zopa experience

Easy to apply. Great starting credit amount even with bad / poor credit rating. Reviewed on: 21st February 2023

Easy to set up but no direct debit

Only issue is lack of direct debit which meant one of my payments bounced wgen i changed my debit card Reviewed on: 21st February 2023

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