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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 reviews)

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4.94

Based on 44,339 reviews, last reviewed 26th Apr 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

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 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 (44339)

A much needed friendly common sense finance company in a crazy world

I'm sure I am not the only person in the UK juggling finances at the moment! Zopa offers a great user-friendly app, a very easy application process and lots of in-app great advice and tips. Most of all this is a great way to help build my credit score back up. Highly recommended :) Paul - Liverpool Reviewed on: 21st February 2023

Great company

Easy to apply for and was accept with not the best credit. The app is also easy to use. Customer service is great too. Reviewed on: 21st February 2023

Great service

Excellent customer service whenever you want and also keep us updated with latest offers Reviewed on: 21st February 2023

Fantastic

Fantastic credit card highly recommend Reviewed on: 21st February 2023

Clear and simple

The cards are simple but colourful while the app system is easy to understand and well laid out thus card is a giid option for those looking for a first time credit card. Reviewed on: 21st February 2023

Easy to use

Zopa is a slick credit card Keeps you in control of your spending Keeps you up to date with products and a very easy to use platform. Reviewed on: 21st February 2023

Very straightforward card easy time use and quick online use

Very happy with my Zopa card and the online use payments appear straight away do you know where you are all the time Reviewed on: 21st February 2023

Easy app

Great card . Updates quickly . Friendly app . For me who is not very technical Reviewed on: 21st February 2023

Easy peasy finance control

Firstly applying was a breeze, such a smooth process with clear communication every step of the way. Then it comes to the app, super straightforward and easy to use, very clear on what’s what, with no hidden nasties! Reviewed on: 21st February 2023

Really helped me through hard times

Really nice company to deal with and nice staff when I needed to contact them Reviewed on: 21st February 2023

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