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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)

Helpful, friendly

Very helpful and professional. My credit score has improved since being with Zopa Reviewed on: 29th March 2022

Quick Application Easy to use.

I applied for a Zopa credit card based on the quick check saying I was eligible and what my interest rate would should I apply. After applying I was accepted immediately and set everything up in the Zopa app. Credit card arrived very quickly and was easy to activate. When making a purchase you get an almost instant notification of what you have spent. The card is also good for spending abroad as there is no fees for using your card should you choose to do this. This is a great feature and will make noticing any unauthorised spends should they happen quick and easy to deal with. All in all I am pleased with my Zopa credit card. Reviewed on: 29th March 2022

Customer service

Friendly and put the customer first Reviewed on: 29th March 2022

Best Credit Card

Best Credit Card for a long time. Very easy app to use also. Different. Options within the Zopa credit card App, not seen on Others. Reviewed on: 29th March 2022

Zopa

Easy to use and pay off account, check balances and close account Reviewed on: 29th March 2022

Great

Would Recommend friends and family Reviewed on: 29th March 2022

Very easy app to use

Zopa app is very user friendly and easy to understand. It is clear enough and they send you useful notifications regarding when your payments are due. Very happy Reviewed on: 29th March 2022

Simple easy affordable

Great company and a way to build credit in simple affordable ways Reviewed on: 29th March 2022

Excellent service

Fast to set up. helpful through out all processes. Friendly service. Reviewed on: 29th March 2022

helpful when needed

Good low interest for my credit score as its below average Reviewed on: 29th March 2022

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