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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

44% 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)

fantastic

easy to setup, great service. really helps build credit score Reviewed on: 18th April 2021

Brilliant company.

I am grateful to Zopa for giving me a chance to build my credit rating back up following me being impacted hard following a very expensive end to a long term relationship. Most lenders said no to my applications but Zopa said yes. The service is quick and the app is really easy to use. I would recommend them to anyone. Reviewed on: 18th April 2021

very straight forward to use app

The application was really simple although customers services had to contact me to tell me a mistake was made with my address, which meant I may not receive my card. I spoke to customer services and they were very friendly and helpful and a new card was sent out right away. It is so easy to manage my card through the app. Reviewed on: 18th April 2021

Easy

Everything is at touch of a button very easy to use pay and understand Reviewed on: 18th April 2021

Simple and easy

Quick easy app based credit card with no hassle Reviewed on: 18th April 2021

Easy to use app

Easy set up, app easy to use, clear instructions of usage. Reviewed on: 18th April 2021

Brilliant service

Great service, easy transaction. Reviewed on: 18th April 2021

Excellent Credit card Provider

The services and process are fairly simple and straightforward. The app allows you to keep on top of your card usage. I will surely recommend them. Reviewed on: 18th April 2021

Easy to apply

Applying is easy and using simple plus repaying your balance easy as 1,2 3 it's paid back ready for when needed again Reviewed on: 18th April 2021

Brilliant Zopa

I like Zopa as it is very easy to use the app..and I like the way it tells u your balance immediately after making a transaction Reviewed on: 17th April 2021

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