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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)

Great

Great and efficient service. Easy to use app. Reviewed on: 25th January 2022

Stress-free credit

I’m very happy with Zopa. They have great customer service, and the built-in credit rating and automatic credit limit increases really help to make sure I’m staying on track. Would definitely recommend Reviewed on: 25th January 2022

great experience

I have had a great experience with Zopa. Reviewed on: 25th January 2022

Supportive and flexible

Zopa have been helpful in improving my credit rating. They provide flexible credit limits and work with you to manage your finances. Reviewed on: 25th January 2022

Amazing app and service

Such a user friendly app to have at your fingertips enable you to monitor your account anytime. Reviewed on: 25th January 2022

Outstanding service

Immediate SMS on purchase allowing me to track balance, immediate credit using debit card payments allowing instant purchases, light years ahead of the completion ( well 2 Days at least on payments and that is light years in my estimation ) Reviewed on: 25th January 2022

Great card, easy app to use

Fantastic credit card, great communication, very accessible app, great card and account Reviewed on: 25th January 2022

Great card and great help

Great help on the app with bills and credit score. Reviewed on: 25th January 2022

Excellent customer service

Excellent credit card service ever I have seen in my life and easy pay and update balance fast to use it. Reviewed on: 25th January 2022

Easy to use and good value

Approval process easy, APR competitive and the app is very easy to use Reviewed on: 25th January 2022

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