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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,339 reviews, last reviewed 26th Apr 2026
36% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 2026
Lubna's avatar
Lubna

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44339)

Highly recommend

5
Fair rates and good credit limits offering the right people the right money Reviewed on: 27th January 2022
Chris brennan 's avatar
Chris brennan

Easy to apply

5
Great from the start Easy to apply Easy to use the app Easy and clear dialogue Reviewed on: 27th January 2022
Caroline 's avatar
Caroline

Very good

4
Good experience easy to use everything explained well and easy to understand Reviewed on: 27th January 2022
Josh Captan's avatar
Josh Captan

Easy process

5
Easy to apply and the app is so handy to keep an eye on your spends and also make payments anytime you choose Reviewed on: 27th January 2022
Clare Savage's avatar
Clare Savage

Very good

5
Easy affordability understanding well worth the find out if you can get one Reviewed on: 27th January 2022
Kevin pope 's avatar
Kevin pope

Amazing company!

5
I have credit card maybe a year ago. The app is so simple, easy to use and very trusted. I never have problem with payment, registration or using the withdrawal. Excellent card! Reviewed on: 27th January 2022
Milena Popova 's avatar
Milena Popova

They are on your side

5
Genuinely feel Zopa are on your side when it comes to making savings and credit cards easy and fair to use. Mobile app is slick - would highly recommend. Reviewed on: 27th January 2022
Claire Pool's avatar
Claire Pool

Easy and great customer service

5
I was denied credit for a few years. Zopa popped up on my Experian. I done a eligibility check and zopa came first. Offered me £400 at 23% apr Reviewed on: 27th January 2022
david_knightly2@hotmail.co.uk's avatar
[email protected]

Fantastic

5
Zopa are so easy to use, I like the fact that you can set a cushion on your credit card so you know you will not go over your limit. It’s also so easy to use the app. Reviewed on: 27th January 2022
Caroliine's avatar
Caroliine

Easy, peasy, lemon squeezy.

5
Zopa make things easy the customer. The app is very straight forward to use and that is a real plus for me. Being new to credit cards, I was a little apprehensive that it would be troublesome or maybe complicated but it isn't. I can log in & find what I need immediately. ZOPA are there if & when I need them. Customer service is fantastic (I have only needed to contact them once but I felt like a valued customer straight from the word hello). I look forward to spending years as a loyal customer to ZOPA. Reviewed on: 27th January 2022
Mia Beldam's avatar
Mia Beldam

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