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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43457 reviews)

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4.94

Based on 43,457 reviews, last reviewed 10th Mar 2026

154100% 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:

4

I've had no problems with zopa which I like I've had no problems with zopa which I like Reviewed on: 10th 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 (43457)

Modern banking

Zopa & their app make banking so much easier. The modern way to manage finances. Easy to use app and great offers. Reviewed on: 28th March 2022

Easy going banking

Simple straight forward banking What more could you ask for ? Reviewed on: 28th March 2022

Quick, easy and love the app

Really like the notifications from the app to help me stay on top of my finances. The borrowing power scores and the suggestions for improvement really helps us as consumers get an idea as what is considered good Reviewed on: 28th March 2022

Great service & app

Easy to use app, low fees, no issues at all Reviewed on: 28th March 2022

Excellent online credit card

Very easy to apply for online -low APR and easy to use app. Reviewed on: 27th March 2022

Its a very good card

I had the card for about 6 months and its very good Reviewed on: 27th March 2022

My time with Zopa

My time with Zopa has been one of calm and feeling in control of my finances. I know I can get advice at any time should I need it. Bills are easy to understand and payment process is nice and easy. Reviewed on: 17th March 2022

Flexible for everything

First of all, the app is nice and simple - it has a direct payment option that takes care of monthly payments so my credit score got boosted. But the main reason why I chose this card - it has no fees abroad so it's a huge benefit for travelling. Reviewed on: 3rd March 2022

I hope You Win!!

I am disabled with mental health and a full time career, I use this card due to my reading and writing difficulties. also when I need to call the customer service that I receive is excellent. the app is so handy for me because I suffer with PTSD. it is easier to manage my account by paying by card and the efficiency of the money clearing Reviewed on: 27th February 2022

very happy

I joined because I had hardly ever had credit, I still don't have an overdraft. it was easy for me to use and set up and I have mental health and I am also disabled. I feel safe using this card because I am not very good with modern technology, basically I am computer illiterate! but I can work the online app on my phone. I really like the customer service on the phone swell and the reminders to make sure my bill is paid Reviewed on: 27th February 2022

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