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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

70% decrease in 5 star reviews

in the past 90 days

No new 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)

Responsible Lender

Very responsible lender and very good customer service Reviewed on: 29th March 2022

Awesome card, easy to use

Having everything on an app that is simple and easy to use is very convenient and makes life some much easier. Also, being able to access and see how much I’m spending is really helpful for budgeting. It is also very simple to make payments and keep on top of things helping me to improve my credit rating! Reviewed on: 29th March 2022

Simple and easy

The application process was so simple and fast followed then by updates on when I recieve everything which was lovely. Then app functionality is great to top it off. Reviewed on: 29th March 2022

Zop top credit card

Good service low rates no problems gave me a card when no one else would Zopa number 1 for me Reviewed on: 29th March 2022

Easy to use

This is the easiest card to use ,adn easy to understand Reviewed on: 29th March 2022

Fantastic product

Fantasticly easy to use app. and great customer service which make managing my credit so easy. Multiple options for monthly payments, as well as up to date and easy to read statements. Reviewed on: 29th March 2022

Easy and friendly

First time ever I have such a good experience with banking. Everything is so easy and friendly for everyone. There is no small prints and even if you have an issue, support team is there for you straight away. Reviewed on: 29th March 2022

Great, just a few tweaks

Had a great experience with my Zopa cc, bit of confusion about setting up dd, but sorted in the end Reviewed on: 29th March 2022

Easy and straightforward

First bank I've come across that genuinely seam to want to help there customers. Reviewed on: 29th March 2022

A safety net when needed, reliable nd very cpmpetitive rates

I joined and have never looked back, i have used thr card for everydaay spending and it is my budget0ing tool to know that i have a limit i c0an uae from montj tp month. I enjou tgis service best cars design ever good looking card.. Reviewed on: 29th March 2022

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