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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st 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

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st 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 (44345)

Help when i needed it

Great credit card, my credit score wasn't the worst not the best zopa helped me on my way to better credit score and ultimately better credit Reviewed on: 11th January 2023

Really easy and hassle free card

Helped me get back in control of my credit score, really helpful app and helpful advice about rebuilding my credit score after being hit by the recession Reviewed on: 11th January 2023

Easy and straightforward

This card is easy and straightforward to use. I applied for the card so I could improve my credit score. I have increased it a little and was offered an increase in credit which I didn’t accept at first. I would recommend Zopa to anyone who has a bad credit score and wants to improve. Reviewed on: 11th January 2023

Excellent customer service

Easy Mobile app. Easy and fast customer services reply. Reviewed on: 11th January 2023

Excellent

Very professional and friendly service Reviewed on: 11th January 2023

Brilliant Bank

Any deposit or withdrawal is show almost instantaneously on the Zopa app which is very reassuring security wise. The savings account interest rate is one of the best on the Uk market! We’ll not be moving away! Reviewed on: 11th January 2023

Great credit card

Really straight forward to apply with easy to understand rates. Would definitely recommend. Reviewed on: 11th January 2023

Trouble free

I've had my Zopa Card for just over a year now and I can honestly say I've never had an issue. I love how easy it is to alter things in the app, the interest rate is sensible and the regular emails that update me on things are very handy. Reviewed on: 11th January 2023

The first and only credit card provider that offered me a credit card

When I was 18-23 I had some difficulties with my credit file which I am progressively sorting out. I am in a much better position with finances now yet it's extremely difficult for me to gain credit products, however, Zopa was the first and only provider to offer me a credit card which has eventually help build my credit score. Additionally, they also offered me a credit limit increase which has been an absolutely god send. The app is extremely easy to use, and repayments are instant so no more waiting 2-3 days before balances are cleared. Should you have any concerns or queries, you can directly message Zopa via the app which is just very fitting for today's times. I highly recommended and enjoy Zopa. Reviewed on: 11th January 2023

Excellent in every way

Excellent card, easy to us, to pay and if you have any queries staff treat you as a valued customer Reviewed on: 11th January 2023

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