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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)

Easy to use

If I need to know anything about my money the app is a god send and the one time I have needed to use customer service the issue was delt wit instantly Reviewed on: 28th March 2022

Simply brilliant

Easy credit card to use no hassle no bother no surprise fees just good honest credit Reviewed on: 28th March 2022

Great company

Great company easy to use ,cheap and manageable Reviewed on: 28th March 2022

Reliable and simple

I applied for a loan to reduce my outgoings and within minutes of finishing the application it was all taken care of!! Excellent service Reviewed on: 28th March 2022

Top Quality Service Without the Hassle

Signing up to Zopa was easy and seamless making it a worry free experience. It's been really easy to manage my credit card using the app meaning I've managed to stay within my credit limit. The features of the app are excellent, especially where I can make over-payments when able and keep track on my spending. I would highly recommend Zopa without hesitation. Reviewed on: 28th March 2022

Reliable Service

I never had any issues with Zopa and I feel safe whenever I purchase something because of this. Reviewed on: 28th March 2022

Excellent service & customer service

Fantastic credit card service and great efficient customers also. Reviewed on: 28th March 2022

Easy and reliable service

When I applied for the credit card, I had an answer immediately of how much I would receive. I was very happy with the service and the card help me a lot. I would recommend this bank service to everyone Reviewed on: 28th March 2022

Excellent

Very easy application. With approval in principle without affecting your credit score. And fast response when card agreed. Reviewed on: 28th March 2022

Excellent service

Over joyed with my Zopa credit card couldn’t ask for more Reviewed on: 28th March 2022

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