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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

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4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44349)

Easy to apply

Very easy to apply for and didn't take long to arrive Reviewed on: 21st February 2023

Great service

Really professional company. Have always been very clear and concise with information and a good product to build my credit rating. Reviewed on: 21st February 2023

Easy, stress free service

Fantastic service, great app and stress free! Reviewed on: 21st February 2023

Most reliable service provider

Zopa is one of the best lending company that provides you with suitable credit limit only for your circumstances. Thank you for accepting me as your customer. Reviewed on: 21st February 2023

Awesome credit card

Amazing card, quick to apply and easy to use :) Reviewed on: 21st February 2023

Great

No hassle from start to finish. Regular updates about my account. No silly emails. Just simple payments and easy access to my account online. Overall pleased with it all Reviewed on: 21st February 2023

Interest increases

I have had 5 interest rate increases in the past 12 months, 2 increases were 1 month apart. I have never been offered a credit limit increase and have had the card for 2 years +, leading me to take a new card from another provider who instantly gave me a credit limit 6 times larger than zopa, and also gave me a far lower interest rate. Reviewed on: 21st February 2023

A very efficient app and great service.

I was offered the card via Clear Score. It is far more user friendly than other cards with a great app. Reviewed on: 21st February 2023

It was really helpful

When I was in need I got help from you. Thank you so much Reviewed on: 21st February 2023

A fair way to get credit that feels right

I was pleased to get a Zopa credit card, I like the business model and have found the app very easy to use. Reviewed on: 21st February 2023

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