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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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4.94

Based on 44,332 reviews, last reviewed 18th Apr 2026

44% 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th April 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 (44332)

Great servive

Great customer care and service Reviewed on: 13th January 2023

Nice to be in control

Easy and no fuss to use and the app helps you pay back what you want each month Reviewed on: 13th January 2023

No surprises, Fair & always kept up to date

Been with Zopa just over a year and I have only good things to say about my experience so far. Everything is clear and the app is helpful in keeping on top of my finances. The regular updates about my credit card payments, interest and statement are very useful and current position of credit worthiness is a handy feature. Reviewed on: 13th January 2023

Quick easy sensible service

Easy to use app. Quick responses. Informed and timely communications. Reviewed on: 13th January 2023

Excellent

Absolutely fantastic product, easy to use, very smart and simple app, never at a loss Reviewed on: 13th January 2023

If Carlsberg did credit cards !

Absolutely fabulous total game changer Reviewed on: 13th January 2023

Customer service

When others wouldn't help zopa stepped up for me and they have helped me progress my credit score, they have also helped me understand the steps I need to take in order to help me gain further positives on my credit account can't speak more highly of Zopa first class. Reviewed on: 13th January 2023

My first credit card

Zopa was the only bank that trusted me when everyone else declined my application. And since then I have proven my credit worth and other banks have offered thanks to Zopa. I have decided to keep my Zopa because they have been there for me all this time. Reviewed on: 13th January 2023

Life Saving

Joined Zopa in order to improve my credit score, really helped and has continued to help with my financial management over the past year. Now, improving my score is just an added benefit Reviewed on: 13th January 2023

Gives opportunity to rebuild credit with support

Having pulled round my life and obtained a mortgage I wanted to rebuild my credit Zopa gave me this chance and offer support and advice e Reviewed on: 13th January 2023

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