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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)

Best credit card by far

Not just a credit card, but a savings portal as well, even whilst I was struggling they understand the situations your in and help you out, superb online bank service. Reviewed on: 29th March 2022

Value for money

Since I have been using Zopa card, it has made my finances easy a bit. Reviewed on: 29th March 2022

EASY TO USE AND IN CONTROL

I felt really in control I haven’t found other cards having a lock amount which I find helpful for rainy days. it’s easy to use, interactive and feels there for you! Reviewed on: 29th March 2022

Really straight forward

Really easy to use and pay balances Reviewed on: 29th March 2022

Fabulous

I just want to thank you and being able to write this review enables me to do so I had a low credit rating just because no other credit card company ever gave me a chance since using zopa I've managed to build my credit score along with other cards but mostly zopa they gave me the start I needed I use it frequently and the apr is brilliant I couldn't ask for a better company to support me ive already recommended this to family and if you are thinking of signing up for it but aren't sure do it the app is very easy to use and it has a very easy way to navigate through and finding everything you need when paying the credit back you can use it anywhere just like a debit card im giving this Reviewed on: 29th March 2022

Amazing bank

Zopa bank is so easy to use, money goes straight into the bank highly recommended Reviewed on: 29th March 2022

No fuss no worries

Always help you when you need it so that you don't have the stress Reviewed on: 29th March 2022

good

good service and support, i liked it so much Reviewed on: 29th March 2022

So straightforward to apply, easy app and friendly emails giving plenty of information

Applying was a doddle, the app is great and user friendly. Also receive emails frequently giving you plenty of notice of when payments are due. Great company Reviewed on: 29th March 2022

Brilliant customer service

Every encounter I've had with customer services has been excellent and we'll handled by the team. Also I absolutely love the Zopa App, so very easy to use Reviewed on: 29th March 2022

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