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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Great company

Makes everything easy. Pleasure to deal with always. Reviewed on: 18th March 2021

Easy to use and no hastle

Small interest, no fees, easy to use app. What’s not to like Reviewed on: 18th March 2021

Great app!!!

Very nice to be with Zona!!! I love this bank! Reviewed on: 18th March 2021

Desperate for credit????

I’m grateful that I was able to get this card for £300 credit however, Zopa told me that they wouldn’t be upgrading mine or anyone else’s account for higher credit , so if you’re wanting to build a credit rating and expand on Zopa credit in time then you’ll be disappointed. I was hoping to show my commitment and prove that I’m a good customer and in return have my credit upgraded gradually. Unfortunately I was wrong. Reviewed on: 18th March 2021

Best and organised

Since been with zopa it's well organised and the app is brilliant so you know what your spending and keep up to date with your statements. Reviewed on: 18th March 2021

dear Team, I would like to inform you your company is very amazing

I impressed your company. Your company staff and all perfect easly contact and all good. Reviewed on: 18th March 2021

My Review

Easy application with instant decision Reviewed on: 18th March 2021

Zopa

Brilliant card..the app is easy to use and the fact that it doesn't take 2 days for payments to clear unlike other cards is a real bonus. Well done Zopa Reviewed on: 18th March 2021

Out standing service

Good experience and excellent service Reviewed on: 18th March 2021

I am happy with their services

It is a good bank, the service is good Reviewed on: 18th March 2021

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