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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)

great

excelllent customer services great value for money Reviewed on: 28th March 2022

Easy to use & understanding of the product

Not TOO harsh with late penalties Reviewed on: 28th March 2022

Very Very good service

Very Very good service and excellent customer service Reviewed on: 28th March 2022

Quick. Easy. Simples.

From start to end of application and receiving card it was quick easy and efficient. No complaints. Reviewed on: 28th March 2022

Excellent Service

I've really enjoyed the service provided by Zopa. For example, payments are reflected in my account, very promptly, unlike other credit providers that take up to two working days to reflect payments. Reviewed on: 28th March 2022

Easy straightforward and simple to use

I’ve had to contact Zopa once due to checking payment day as I was new and I didn’t realise how to check . So they explained how to do this, they helped me a lot on checking other aspects of my account and how to check other things. So simple to do was my own fault due to strong painkillers. But the adviser was fantastic. So helpful, easy to navigate, easy to pay balance early. I couldn’t be any happier with my credit card company. Definitely can’t say anything bad Reviewed on: 28th March 2022

Great service

Zopa is always a great service and has a great customer service team if needed Reviewed on: 28th March 2022

Never a problem with getting a response to a query and friendly service staff

Information always up to date and any queries dealt with Reviewed on: 28th March 2022

Easy app!

Quick and easy application process! App is great to keep tabs on what you spend! Reviewed on: 28th March 2022

No hassle quick reliable service

Been with zopa now for 9 months and it has helped my credit rating and always inform of payment due. Mr Dawkins Reviewed on: 28th March 2022

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