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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43416 reviews)

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4.94

Based on 43,416 reviews, last reviewed 9th Mar 2026

152200% 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:

5

Quick and easy to use love to shop with zopa Quick and easy to use love to shop with zopa Reviewed on: 9th 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 (43416)

Easy to use

Very easy to use no hassle easy direct debit set up. Reviewed on: 14th January 2023

Great credit card.

I like how quickly payments reflect against my balance. Reviewed on: 14th January 2023

wyn review

Since having this product I have been able o repair my crerdit. Reviewed on: 14th January 2023

Smooth and easy process

From start to finish applying for a credit card with Zopa was very easy and hassle free, my card arrived very quickly and I was able to use it straight away. The app is fantastic not only as it allows you full oversight on your account but it offers extra help in terms of money management advice and credit score improvement help. One big thing that I’ve never had with any other credit card is when making a payment to my balance it’s almost instantly applied. It usually takes 2 days for other CC companies but with Zopa you can manage your balance a lot better. Extra features like the credit cushion are a fantastic idea as well. Reviewed on: 14th January 2023

They helped when no one else would

I didn’t have the greatest credit score at the time and was looking to re build and improve. Zopa were the only company to reach out and help me. Without them I would not be on the road to repairing my credit score. I’ve never had a single issue with them. Everything has been an easy smooth ride with them thank you Zopa ! Reviewed on: 14th January 2023

Very good

Very good and Easy to setup and also it bill your credit I would tell anyone about zopa card Reviewed on: 14th January 2023

The best credit card company

I like zopa credit card because compared to the other credit card companies, it gives high starting credit card balance - I received 400£ starting balance and after a few months I applied and I got an increase for extra 400£. Probably in a few more months I will get another increase. So people zopa company is very reliable and has quality customer support service. If you ask me to choose a credit card between ZOPA and HSBC/barklays and the other "traditional"banks, I would 150% of the times will choose ZOPA. In the traditional banks there too much securities to go through and if I can't fill my details fast enough and I make 5-10 wrong moves and I have to call their customer service for a reset, which iny opinion is really Stupid. Reviewed on: 14th January 2023

FANTASTIC SERVICE

I’ve been a customer with Zopa for just over a year now and I’ve found them to be a great company with exceptional customer service. Their app is user friendly as you know exactly how to manage your account without multiple clicks. All in all a great company so far I would definitely recommend their services. Reviewed on: 14th January 2023

Very great

One of the most helpful organisations when you need help Reviewed on: 14th January 2023

Best card credit the Uk

The credit card Zopa, the best card uk. Reviewed on: 14th January 2023

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