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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

From the get go Zopa have been brilliant and they do what they say on the tin!

From the time of applying for an account, and it being approved, the experience has been so, so straight forward and easy to understand and know exactly what you have spent with the instant alerts for example. Would definitely recommend to friends and family. Reviewed on: 28th March 2022

Beast credot card ever

Simple quick best from best nothing is better Reviewed on: 28th March 2022

Easy Money Management

One of the things I love about Zopa is the App. Not only does it make it easy to manage your money but it provides a whole range of extras to help you manage your credit record. Reviewed on: 28th March 2022

Easy to use

Easy to use card , easy to pay back the money with a bank transfer, easy to find transactions when you need to, app is user friendly and easy to navigate and the team are always friendly and helpt when you need to get hold of them. Reviewed on: 28th March 2022

Great app with very manageable credit allownce

A really helpful App which is easy to use and keeps me updated with all our goings and any changes Reviewed on: 28th March 2022

Instant payment acknowledgement

You make a payment and its instantly available Reviewed on: 28th March 2022

One of the easiest apps I've used.

I've used many different bank apps and work for a bank do know what's good and what's not. From applying to viewing and paying off the Zopa card & app is by far the easiest one I've used. Best feature? Everything you spend you get a text saying how much you've spent, to who and what credit you have left. So useful. Reviewed on: 28th March 2022

Very easy to use and understand

Extremely easy to use and understand, the app to help you manage your card works like.dream with some fantastic added features like looking a amount money aside for emergencies etc. Reviewed on: 28th March 2022

Great customer service

Great customer services communication is excellent. The interest rate is affordable and an easy to use website. Reviewed on: 28th March 2022

Great company

Many easy ways to pay and easy to understand app Reviewed on: 28th March 2022

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