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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)

Zopa vote

It’s been a pleasure, and would highly recommend Reviewed on: 28th March 2022

Fantastic easy to use service

Really easy to use app and card . Realistic credit given and awarded with an increase after prompt payments . Will definitely recommend to others struggling with credit . Reviewed on: 28th March 2022

Great

I like it Zopa This app is easy to use and practical Reviewed on: 28th March 2022

Super fast ZOPA

My payments show immediately , no more bank sitting on your money for half a week…credit available straight away! Reviewed on: 28th March 2022

Great service steeped in reliability

ZOPA offers reliable and great service supported by great security features. Their supportive monetary advices are also very helpful Reviewed on: 28th March 2022

Perfect credit in a pinch

When you're in need of credit in an emergency or perhaps build your credit file you need Zopa. The app is super easy to use to manage your account and making paymets are a doddle! Reviewed on: 28th March 2022

Forget about banks

Zopa do what banks do but so much better. Used them since just after they were created way back when. Always trusted them and always will. Can’t fault them in any way. Reviewed on: 28th March 2022

Excellent Company

Simple to apply, manageable fair credit limits, excellent company, always keeping you informed and app is excellent and easy to use. Just simply the best! Reviewed on: 28th March 2022

Brilliant Customer service

Agents are so helpfull Always best Reviewed on: 28th March 2022

Helping put my life on track

Zopa gave me a card to help build my credit rating up since then I’ve been able to get a car so I can take my family out and it’s given me the freedom to build a future Reviewed on: 28th March 2022

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