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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)

Great information and control

I love the texts saying how much I have left and what's being spent. This allows me great control and confidence that no one can use my details without me knowing immediately Reviewed on: 29th March 2022

Very friendly

Very friendly and resenable and a very resenable apr Reviewed on: 29th March 2022

Outstanding company

This card was so easy to apply for and approved within 10 minutes. The app is fantastic. Would highly recommend. Hassle free credit card Reviewed on: 29th March 2022

Great service and easy app

The service I receive is excellent and the mobile app works very well!! Reviewed on: 29th March 2022

Great and easy to use

So easy to use and the way to pay back is amazing, they are very well organised and the credit cushion is great Reviewed on: 29th March 2022

Fantastic

Credit card was offered with an ease and when I called on phone to set up my payment method, it was very easy, customer service was fantastic. Reviewed on: 29th March 2022

Excellent Features

Allows me to know exactly where I’m spending with no confusion Reviewed on: 29th March 2022

Help was needed

When I needed help they gave me loan and a credit card when other lenders wouldn't I had a breakdown and wasn't able to work bills kept coming and no funds Zopa...came to the rescue. Now back on my feet and very thankful. Reviewed on: 29th March 2022

Customer service

Extremely helpful both on the app or speaking on the phone. Sympathetic to my situation Reviewed on: 29th March 2022

Gave me a chance to build my credit!

Zopa gave me the chance to build my credit rating. I had previous when younger made financial mistake that I’m working to fix now! Reviewed on: 29th March 2022

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