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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 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 (44342)

Highly recommend Zopa

Very trusted Zopa very quick set up. Great customer service Reviewed on: 7th April 2021

Fabulous financing

Zopa have been great. The app is simple and easy to use, helping me keep on top of my borrowing. Plus with reminders of when a payments due it's one less thing to remember. Reviewed on: 7th April 2021

Livin La Vida Zopa

Great company plus very quick and easy to set up account and get going. Has been my go to card for spreading purchase repayments for the last several months and can only feedback a positive experience. Reliable and fast payment times both out and back in onto card plus it has a really simple and intuitive app. 5* and will continue to be my go to card . Thanks Zopa. Reviewed on: 7th April 2021

The best customer experience

Everything about Zopa is clear, easy and a fantastic customer journey. I have had many different credit cards over the years but Zopa is by far the best to deal with. Reviewed on: 7th April 2021

Best Credit Card Provider

Zopa is the best credit card provider that I have ever used. There are no hidden charges and their app is so simple to use.I would recommend anyone to get this card. Reviewed on: 7th April 2021

Very strong, be improved with higher initial credit limit

Very good, quick easy payment plan. Once paid credit instantly available again, no pending payments which is good. Be better with a higher initial limit. Instant notifications when spending happens helps keep track and avoids fraud Reviewed on: 7th April 2021

A great credit card service.

The service is great. I really like the fact you can set a safety net on your spending. A super credit card. Reviewed on: 7th April 2021

user friendly

Nowadays as everything is always increasingly becoming more technological usually means if it comes more complicated and difficult to use or takes awhile get to get used to whereas Zopa does everything you need to do as well as extremely user-friendly Reviewed on: 7th April 2021

Very satisfied

Satisfied from the beginning since opening account would recommend to Reviewed on: 7th April 2021

Excellent credit card

So easy to understand. Regular updates. Easy online access to view your account. Reviewed on: 7th April 2021

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