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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43457 reviews)

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4.94

Based on 43,457 reviews, last reviewed 10th Mar 2026

154100% 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

I've had no problems with zopa which I like I've had no problems with zopa which I like Reviewed on: 10th 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 (43457)

Fantastic Card.

This card was offered to me when other companies considered my credit rating to be too low. Once I started to use it and pay off the balance every month, my credit score began to increase. Having the card now gives me peace of mind that I have the credit facility to fall back on should I need it. Reviewed on: 14th January 2023

Fantastic easy to use provider

Every thing Zopa do makes financial life easier. Everything I need is available in the app and presented clear and consistently I’m very happy with my product and the service provided. Reviewed on: 14th January 2023

1-2-3 ZOPAY

Fantastic app easy to access account and monitor your spending ,it's also easy to repay. Reviewed on: 14th January 2023

Great card

Easy acceptance, apr not too high, only downside is the low credit limit which does not seem to rise Reviewed on: 14th January 2023

is the best credit card bank

the credit card is very good, you can use it in any country, you can also withdraw money from it and it is at a reasonable percentage Reviewed on: 14th January 2023

I used Zopa credit card

When I using Zopa credit card.it’s best card.app service and other things can solve very easily.I like it zooa Reviewed on: 14th January 2023

The best help

Very easy to apply also when you make a payment its almost instamtly added to your account and not 3 days later and the phone app is easy to use and even offer ways to futher products with app Reviewed on: 14th January 2023

Easy banking

The app is easy to use, and seem fair with limits and payments. Reviewed on: 14th January 2023

Easy and professional

Easy and professional from start to finish. Application was stress free, decision was instant. The banking app is great. 5 star service all round. Thanks guys Reviewed on: 14th January 2023

Easy to use, great customer service!

Zopa provides a modern, easy to use credit card with great benefits such as free usage abroad. It’s a combination of forward thinking tech and smart money. I love it. Reviewed on: 14th January 2023

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