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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)

Clear upfront details

Simple to follow app, all very understandable and good customer service. Fabulous. Reviewed on: 25th January 2022

Rebuilding

Helping me rebuild my credit score Reviewed on: 25th January 2022

The best credit card

Very efficient and reliable, the best credit card oug there . Reviewed on: 25th January 2022

Responsible lending

Both my husband and myself have used products from Zopa including a credit card. The limits are responsible and customer service easy to get hold of. Reviewed on: 25th January 2022

Brilliant service

Since I’ve been with Zopa, they have provided me with a brilliant service from first set up to use, I can’t recommend highly enough Reviewed on: 25th January 2022

Zoptastic

I signed up for Zopa last year, and it has been the best thing that happened to my credit history. With Zopa, as long as I spend and payback on time. They do not charge me interest. They make sure I am not overspending. There are many great features for using the app. You can chat with a live agent in an instant. I highly recommend Zopa.... Reviewed on: 25th January 2022

Zopa the card to have!

Great App! Easy navigation! Great customer service! Kept updated with statements/payments due! Reviewed on: 25th January 2022

Fantastic

Easy to use appand fantastic customer service Reviewed on: 25th January 2022

Easy, user friendly. Highly recommend

The app is user friendly. I’m kept up to date on a weekly basis of my spending and limit. Would highly recommend to my family. Reviewed on: 25th January 2022

Simple, no nonsense credit card

The app is simple and user friendly making it easy to manage my account Reviewed on: 25th January 2022

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