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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43489 reviews)

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4.94

Based on 43,489 reviews, last reviewed 18th Mar 2026

155500% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

4

So far so good very helpful in every way So far so good very helpful in every way Reviewed on: 18th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43489)

Great provider

Very reliable service from my account opened. I would definitely recommend to a friend Reviewed on: 14th January 2023

Help

Helped me make a informed decision about which credit card to go with Reviewed on: 14th January 2023

Credit card

Very good credit card and very fair Reviewed on: 14th January 2023

Great easy to use app

Never had an issue, great rates easy to use. Reviewed on: 14th January 2023

Fast rate is excellent

App is better easy to use and help to build credit Reviewed on: 14th January 2023

Great

Very good card decent limits and a very easy to use app which keeps it simple to do what you need. Highly recommended Reviewed on: 14th January 2023

Excellent

Very good reviews and very easy and efficient in applying for the credit card and very good information regarding other financial products Reviewed on: 14th January 2023

Ideal

Zopa is an ideal credit card that works for me Reviewed on: 14th January 2023

No nonsense

Smooth application, easy to use application and no gimmicks, no nonsense finance card, everyone knows where they stand and helpful customer service if needed Reviewed on: 14th January 2023

Disruptive & different, in a good way

It’s highly unlike me to take time out of my day to rain down praise upon a financial institution but in Zopa’s case I have to make an exception. The elitism and outdated ideology’s of the big banks is crumbling under the pressure of new Fintechs like Zopa with their inclusive & accessible products, cool messaging and a great UX delivered through their fantastic app. Eagerly awaiting a current account to be part of their portfolio. Keep up the good work. Reviewed on: 14th January 2023

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