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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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4.94

Based on 44,332 reviews, last reviewed 18th 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th 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 (44332)

Excellent

Zopa is one of the best credit cards I ever had they are reliable and fast I don’t have to wait I would definitely recommend Zopa Reviewed on: 25th January 2022

Really good

Fantastic credit facilities always there to help when you need Reviewed on: 25th January 2022

Good

Nice and understandable , nothing to add any more Reviewed on: 25th January 2022

Awesome :- card to pick

Great customer service Great card service to use and affordable overdraft to use with no rush no pressure pay when ever. Great customer services with fast resolving matter. Reviewed on: 25th January 2022

Sensible decisions

Had credit issues in the past but now all dealt with. Zopa very understanding with decision and credit limit which has now been increased. Zopa app very easy to understand and navigate. Reviewed on: 25th January 2022

Excellent customer service

Excellent customer service, great communication always ready to listen and help if needed. APP is easy to navigate and understand Reviewed on: 25th January 2022

Excellent Provider

I always find Zopa to be honest, open and flexible in their approach to their customers, of which I am one. Reviewed on: 25th January 2022

Most helpful credit card ever.

Having an account has changed my way of thinking about credit. The easy to use app helps me keep track of my spending. The safety cushion is great, gives me peace of mind. And the helpful advice is right there whenever I need it. I really feel like I will get my credit back on track just by using Zopa. Highly recommended if you’re stuck and don’t know what to do with messy finances. Easy to apply and use. Thank you!! Reviewed on: 25th January 2022

Perfect company

My purchases are easy to access with app and payments are immediately added to my account so you have great control. Certainly would recommend Reviewed on: 25th January 2022

This Bank make very easy for the people

It is very easy to work with Zopa, they made easy life for the people & understanding the problems Reviewed on: 25th January 2022

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