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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44338 reviews)

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4.94

Based on 44,338 reviews, last reviewed 23rd Apr 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

Zopa is Awesome! Zopa are easy to use. Customer service is great. Reviewed on: 23rd April 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 (44338)

Simple and quick

The Zopa card and app is the easiest card I have ever used to keep abreast of my spending. Reviewed on: 26th January 2022

Easy to use

Love this credit card as it got an app so I can keep an eye on what I spend, they also make sure it is you using when buying online Reviewed on: 26th January 2022

easy to stay in control

i love my zopa credit card it is so easy to manage, i had an instant decision, it is easy to use the zopa app, im happy. Reviewed on: 26th January 2022

Zopa is the best credit card

I like zopa. Zopa is the best card for poor people. Who has got a bed credit? Reviewed on: 26th January 2022

Easy to set up

Good app, great notifications with reminders and countdown to payment date, really easy to use Reviewed on: 26th January 2022

Excellent customer service

great to bank with. very informative. also when i make a payment it shows immediately...how cool is that Reviewed on: 26th January 2022

Excellent service

Excellent service, very easy to use app, very good communication Reviewed on: 26th January 2022

Fair, helpful banking!

I had my zopa card with a 200 pound limit, which was enough for me. I had financial difficulties for past few months and zopa haven't harassed me with threatening emails, I'm through it and my account is back on track now. Good company Reviewed on: 26th January 2022

Fantastic

Zopa was there when I needed help to pay some creditors. Other lenders let me down but zopa got me out of a hole and I'm extremely appreciative that they gave me the chance to show I'm good for credit. And pay on time what I use which has helped me increase my credit score Reviewed on: 26th January 2022

Good credit builder

The card has been good to build my credit and is easy to repay. The app is also very easy to use. Reviewed on: 26th January 2022

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