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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Easy setup and easy app

I liked how quick it was to find out whether you could be accepted for the card and how quick everything else fell into place. Getting the app straight away is a good idea while waiting for the card and pin to come. The app is easy to use and you can keep track of payments as well as pay off when you want or setup up a direct debit. I like the security when purchasing which tells you to authorise a transaction. Best for this day and age. Overall I'm happy with the card and services. Reviewed on: 21st February 2023

Very easy to use

Credit card with a smile. This company is very well managed and easy to use app. Never had any issues and would highly recommend. Reviewed on: 21st February 2023

Brilliant service

Brilliant customer services if there's any problems with your account Reviewed on: 21st February 2023

Improve credit score

To help me build credit score , good card as it isn’t a high limit which is easy to manage and you can pay off as many times as you want in a month on the app. Keeping good track of your purchase Reviewed on: 21st February 2023

Excellent service from start to finish

As easy to use as any other card, but when it comes to payments to balance, the payment is instantly applied. Unlike other companies that take days and days to apply it to the balance. Reviewed on: 21st February 2023

Great card

Payments are instant to your account, unlike most others. App is simply to use, had many different cards over the year but this is by far the best Reviewed on: 21st February 2023

Easy and vey easy to use

Once accepted the use of the car the correspondence you get keeps you on top of your finances , always happy to help always ther when reunited Reviewed on: 21st February 2023

Trust Zopa to help .

I have found Zopa to be a very professional company . The system that they operate helps you keep track of your borrowings and payments very easily , and the payment system is easy and flexible . Reviewed on: 21st February 2023

Easy to set up

Easy service to use & set up. Great customer service Reviewed on: 21st February 2023

Easy simple quick

Easy to apply quick response great app Reviewed on: 21st February 2023

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