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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Great credit card

Happy with my experience of Zopa, no waiting for payments to clear it updates straight away, app is very easy to use Reviewed on: 21st February 2023

Service

Great customer service called up with a question and staff were so friendly and professional problem was quickly sorted out and resolved Reviewed on: 21st February 2023

Top Quality

Very Reliable Credit Card for General Usage Reviewed on: 21st February 2023

No issues.

Quick and easy application process. Reviewed on: 21st February 2023

Good to use abroad

The charges for foreign currency transactions are low, and they pop up immediately in the app on my phone, so I can keep track of what I have spent - and how much credit is remaining. The monthly payment is taken off my debit card, which means it sometimes goes out on a Saturday or Sunday ( in contrast, bank direct debits falling on a weekend or bank holiday seem to get delayed until the next working day ). Reviewed on: 21st February 2023

Excellent offering

Ticks every box with ease to use and manage Reviewed on: 21st February 2023

App is amazing

Love Zopa so easy and customer friendly. App is wonderful and the best to use Reviewed on: 21st February 2023

Reliable company

Helped with my finances by offering good deals Reviewed on: 21st February 2023

Fantastic

Fantastic rates and easy to use app to monitor spending Reviewed on: 21st February 2023

Excellent

Very good company and great customer service Reviewed on: 21st February 2023

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