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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 to apply for and excellent after service

Applying for the card was very easy. Unfortunately I wasn't able to complete it in one go. I thought I had lost everything, but one short call to customer services and everything was sorted out and done within a couple of minutes. I am informed by sms of every transaction I make, which is reassuring, and can easily pay a set amount every month and any additional payments I wish to make. excellent service. Reviewed on: 21st February 2023

Helps with the updates and tips

Always updating me and gives me tips on how to better my credit rating! App easy to use to Reviewed on: 21st February 2023

Excellent service

Really quick process from application to receiving card, app is really good to track usage and reminder about payments etc Reviewed on: 21st February 2023

Very helpful

Iv had a few issues recently and asked Zopa to help me out and they did exactly what I needed. many thanks Reviewed on: 21st February 2023

Zopa is the best!!!

Needed money to help with bills and it was so quick and easy to apply. Card just took a few days. Amazing rates. One happy customer Reviewed on: 21st February 2023

Great card company

Good customer service. Text messages keeps me informed of what I spent. Reviewed on: 21st February 2023

Opportunity to rebuild my credit score

After a financial troubles ℹ entered a IVA. After paying my IVA off in full it was hard to get credit. ZOPA offered me a credit card and after 6 months they increased my limit. Super company and if your smart ZOPA can work for you. Reviewed on: 21st February 2023

Zopa has the best interest rate than any credit card company

Good interest rate I've ever had from any credit card company . Would highly recommend ZOPA. Reviewed on: 21st February 2023

Excellent care

I cant complain all is going well for me Reviewed on: 21st February 2023

Fantastic Credit card

Excellent customer service. Extremely professional Reviewed on: 21st February 2023

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