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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% 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 straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Simple to use the app. Great all rounder

A smooth and user friendly app. Been using it for over a year now and haven't had any issues Reviewed on: 28th March 2022

Simple and straightforward

Really easy to use, app is nicely designed and thought out - my only ask is for direct debit payments to be introduced but if you decide this is the card you want to apply for, you won’t be disappointed. Reviewed on: 28th March 2022

Best credit card service

Easy to navigate around the app. Excellent customer service. Reviewed on: 28th March 2022

Amazing and easy to understand

Zopa has given me a chance to regain a better credit score while also providing a simple and easy app Reviewed on: 28th March 2022

Happy customer

Excellent customer service, interest rate is good too easy to manage accounts and online account Happy customer Reviewed on: 28th March 2022

Brilliant company

Brilliant experience can only recommend Reviewed on: 28th March 2022

Quick, easy and simple to use

Fast to apply and be accepted, great customer service, low intrest rates. Great credit company Reviewed on: 28th March 2022

Just Perfect!

So easy to use! I love it best credit card so far! Reviewed on: 28th March 2022

Easy to use and very responsible

Zopa are a very responsible lender and there credit card and app are so easy to use makes a nice transaction every time. Reviewed on: 28th March 2022

Customer service perfection

They are so helpful, they lay out all information clearly, well designed app and are great for helping to build credit, 100% a recommendation Reviewed on: 28th March 2022

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