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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Help with my finances and getting back on track

The monitoring of my finances has helped me get back on track Reviewed on: 14th January 2023

Excellent chiice

I chose Zopa 2 years ago after a small financial period of difficulty. They signed me up straight away and have not only helped improve my credit rating, but have enabled me to better manage my finances. Thank you team Zopa!! Reviewed on: 14th January 2023

Simple easy process

Card was simply to apply for and arrived with in a week, interest is easy to calculate for both purchase and withdrawal Reviewed on: 14th January 2023

Amazing

It is fantastic. Easy to use, you can pay as much as you want, very fast payments abd you can withdraw cash as well. Interest rate is very low. Reviewed on: 14th January 2023

Not all it is hyped up to be

Balance transfer is a separate limit to the card so once expires that limit is not added to the card. If you have a 1500 limit when you take out the card why reduce it after e months. A low limit impacts the credit file even though it is less than 2 days salary Reviewed on: 14th January 2023

zopa

i recieved a credit card from them when others refused dye to my bad credit helped me out when needed it most Reviewed on: 14th January 2023

Just great

Help full and easy to use,good service and listen if you need to talk Reviewed on: 14th January 2023

Excellent card & service.

Zopa gave me a chance when other credit card providers turned me down. Fast sign up, very user friendly card. And I got an interest free period for balance transfers too, which really helped me back on my feet. I am very happy with Zopa, simply can't fault them. Reviewed on: 14th January 2023

Credit

Very helpful and always will to offer advice and additional help if required Reviewed on: 14th January 2023

Very good one

Easy to use the platform and accept everywhere Reviewed on: 14th January 2023

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