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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44333 reviews)

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4.94

Based on 44,333 reviews, last reviewed 19th Apr 2026

40% 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 efficient service Very efficient service. Application works well Reviewed on: 19th 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 (44333)

Apsoflogginlutely marvellous

I can’t thank them enough they were there when I needed them I didn’t have a fantastic credit rating but they took a chance on me anyway by giving me a loan I pay it back each month without fail and will be forever grateful for that thank you Zopa Reviewed on: 25th January 2022

Last Chance Saloon

Zopa offers its potential customers a chance to improve their credit scores whilst offering manageable credit limits. Often very low and rarely are increased much above £300 but at least its a chance for some to regain financial trust with future creditors. Reviewed on: 25th January 2022

Amazing services

Highly recommending to use Zopa services A++ Reviewed on: 25th January 2022

Easy to use

Very friendly with great customer service. Reviewed on: 25th January 2022

Excellent Company

Easy to apply, excellent customer services and overall the best decision I made when I signed up with Zopa. Highly recommend. Reviewed on: 25th January 2022

Fantastically easy

Extremely easy to use the app and pay your bill. No excess paper work. No Messing around. So simple Reviewed on: 25th January 2022

Great interest rate

Easy to use and does everything that a credit can be expected to do. Makes my previous cards superfluous Reviewed on: 25th January 2022

Very effective way of banking

I struggle with my credit but with the regular updates and Information, I’m able to keep up to date and on track to improving my credit score Reviewed on: 25th January 2022

Zopa is the futuristic way forward easy and affordable in every way

The brilliance with Zopa it’s stress free and easy and clear to manage specially with the app. Use and pay funds instantly Yes INSTANTLY funds appear back on the card within seconds.. it beats any other brand hands down and that’s the Zopa truth, I’ve even got my mother and sister on it it’s that impressive. Reviewed on: 25th January 2022

Top quality

The best available easy to use app and good service Reviewed on: 25th January 2022

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