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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40270 reviews)

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4.93

Based on 40,270 reviews, last reviewed 30th Jul 2025

100% 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

Good experience no nonsense approach to banking Good experience no nonsense approach to banking Reviewed on: 30th July 2025

Latest lowest rating:

2

You are not fair,when we have a good credit score yo... You are not fair,when we have a good credit score you said is not enough,it's poor,very poor. Reviewed on: 25th April 2025

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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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Zopa Credit card reviews (40270)

Fantastic service

Zopa are a fantastic company that support and help you grow or maintain your credit rating for a better financial standing. Would highly recommend. Reviewed on: 13th January 2023

Excellent

Excellent credit card just what I needed Reviewed on: 13th January 2023

Responsible Lender

An excellent credit card. Easy to apply backed up by a very good app which is easy to use and has very good security features. The app itself is backed up by a very high quality customer service over the phone. I personally have had experience of this with a security issue that was sorted out by the operator in less than five minutes. Zopa also understands it's customers by never encouraging unnecessary spending and makes sure to offer a reasonable, responsiple credit limit. All in all a very good quality card and service. Reviewed on: 13th January 2023

Great service and App

Great from application to customer Reviewed on: 13th January 2023

Fantastic

Very easy to use app. I don't have a great credit history because of my wild younger days, but they started with a low limit and increased it when it was clear I can make regular payments, so it improved my credit score. The only down side is that I dont like carring cash abroad, or my bank card, and there is a charge for withdrawing cash on holiday. Reviewed on: 13th January 2023

Great service

Very easy great service everything you need Reviewed on: 13th January 2023

Superb and great service

App is great ! Paying ta bill is easy , payment registers strait away ! Just a great service Reviewed on: 13th January 2023

Amazing provider

Zopa are super clear with everything they make it all so easy and also promote sensible lending! Getting credit can be so risky for some people and I feel Zopa understand that Reviewed on: 13th January 2023

Card

Very good always there if need help Reviewed on: 13th January 2023

Perfect for me

Love using them quick to get hold of, apps perfect to manage my spending Reviewed on: 13th January 2023

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