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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

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

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)

Easy to use and intuitive app

Easy to use and intuitive app, clearly laid out so are able to see what spend is apportioned to what category. Reviewed on: 21st February 2023

Fair interest

I have used a few different card providers but I believe Zopa to be the best. Fair interest rates, good chat function, and friendly staff. Reviewed on: 21st February 2023

Great Credit Card

Easy to use with the App. Prompts for repayment helps to make payment on time Reviewed on: 21st February 2023

No direct debit

Great for everything but not being able to set up a direct debit and having to come out of your debit card instead has meant I have not had cash in the right place at right time incurring fines Reviewed on: 21st February 2023

Amazingly affordable repayments

The repayments are low really not that much. And it doesn’t charge much for taking out cash. It doesn’t charge that much if you miss repayments and it gives you extra time to pay if you can’t afford. I am very lucky to have the opportunity to be able to borrow from this company. I would recommend this company to absolutely anyone. You have no worry about not being able to afford it, the support from the company is really nice and it’s really reassuring. You will not worry much about anything while using this company because it’s just that good. I have will continue to use this company for as long as I can because I love it that much Reviewed on: 21st February 2023

Brilliant credit card

It’s a brilliant product that I would recommend to everyone Reviewed on: 21st February 2023

Excellent in every way

Excellent in every way would recommend to everyone Reviewed on: 21st February 2023

Great customer service

Great customer service and easy to use Reviewed on: 21st February 2023

Feedback

Efficient, friendly, manageable and clear to use Reviewed on: 21st February 2023

Perfect

Very good company, make you feel wanted , and very helpful Reviewed on: 21st February 2023

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