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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)

Great company

With Zopa you get exactly what you see, there are no nasty hidden surprises. Everything is clear, customer service very helpful. Reviewed on: 21st February 2023

Would definitely recommend Zopa!

Really easy application process and easy to manage credit with the app! Great service Reviewed on: 21st February 2023

Amazing

Helped me out when I needed it the most and are very helpful Reviewed on: 21st February 2023

Excellent

Good company interest rate is good great credit builder very happy Reviewed on: 21st February 2023

Fantastic for building credit

This card has helped me to budget and gain a better overall credit score Reviewed on: 21st February 2023

Would recommend excellent service

I have had no dramas with Zopa, website and app have been a breeze. Very easy to use and any problems has been resolved quickly. Reviewed on: 21st February 2023

Overall good company and good experiences so far

Decent company and products. Never had any issues so far Reviewed on: 21st February 2023

Helpful

I find zopa to be more than just a credit card with lots of tips and and advice. If I have to phone them, they are always helpful and polite. An all round excellent service. Reviewed on: 21st February 2023

Fantastico for Ian fearn

No hassle no problems no stress Very simple Reviewed on: 21st February 2023

Excellent product and service

I’ve used my card so many times and it’s given me the room to keep living. These are strange times and everyone is feeling the pinch admittedly some feel it more than others but that’s life. It doesn’t take two days to clear funds when you make payments like other card providers, and this is a blessing for sure. Credit limits are fine and you can’t get into trouble, unless you want to! Would highly recommend and have done so to the few people I know Reviewed on: 21st February 2023

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