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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Gave me a chance to increase my credit score

Very efficient easy to apply. App is extremely easy to use Reviewed on: 13th January 2023

Great starter credit card

Great card to start with & you can reduce your credit limit if its too high which I felt mine was ...so not to be tempted to overspend & to build up my credit rating I reduced mine to £150. and over the past 6 months have improved mine from 400+ to 800+ Reviewed on: 13th January 2023

Credit Card acceptance

Building my credit rating back up with this card, the app is handy with everything you need, couldnt fault. Reviewed on: 13th January 2023

Great service, as long as you dont want to speak to any human being. Other than that, good card, & fair

Get rid of automated software, & give human beings their jobs back. Automated services are putting more & more people outta work. No wonder all companies are now thinking of striking. 42% of doctors are handing in their jobs. If you want Zopa to win, be the first to bring back human beings for jobs. Reviewed on: 13th January 2023

Ethical lending

Zopa is an ethical lending company. They never raised my credit limit when I got close which I’m glad about Reviewed on: 13th January 2023

Excellent service

Zopa it’s amazing always helps excellent customer service thank you Reviewed on: 13th January 2023

No pressures and easy to apply.

Easy to apply and understands customer needs. Reviewed on: 13th January 2023

The Best

best credit card i ever had Thomas Reviewed on: 13th January 2023

Credit card

Responsible lenders , good communication. Highly recommended Reviewed on: 13th January 2023

Great customer service and support

Fantastic credit card, easy, simple and responsive. The customer service is truly top class Reviewed on: 13th January 2023

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