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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)

Quick and simple to use

Great application. Great app, simple and effective service. Excellent. Reviewed on: 17th March 2021

Good card

It let's u no how much u have spent and who Reviewed on: 17th March 2021

Excellent

Very good always friendly and helpful easy to use and understand Reviewed on: 17th March 2021

Outstanding

Very easy and helpful to use would recomend Reviewed on: 17th March 2021

Fantastic app

Fantastic app that explains things in basic form brilliant. Much better than other credit card apps Reviewed on: 17th March 2021

Simple

Simple to use, hassle free and stress free Reviewed on: 17th March 2021

Friend in need

Timely help . ..swift and easy user friendly process. Straight forward customer service experience and easy online up to date account view Reviewed on: 17th March 2021

Great company

Very easy application process and the app is brilliant and makes it very easy to manage your account.would definitely recommend. Reviewed on: 17th March 2021

Simply does it

An easy, efficient and smooth process to be up and running with this new Zopa credit card, it couldn't have been easier. Complete with phone app and notifications, it's doing exactly what it says on the tin! A very satisfied customer Reviewed on: 17th March 2021

Second chance

My financial hardship started when my husband lost his job after 11 years, no financial payout, with too young children, l had to work full time, sorting our finances out, bank transfer which had just been introduced was the option chosen Given the year the financial chaos all sound great nothing to do the bank sort it, not mention in this bank transfer the facilities weren’t like for like, would be assessed after 6mths, the start of our financial nightmare, to try to replace my husband wage, payday loan, door step loan, where the new thing, shops apply on line, worked for a while, until paying back the interest was mid leading, financial ombudsman had to intervene, re mis sold credit, ppi. With all of the above issues, not a big amount of disposable income, poor credit status, would have no chance with the high street banks by checking online, came across Zopa think the add mentioned a card for the people, so l applied not expecting to be accepted, the result came back, no way l said £400 credit limit accept, this was my second chance to rebuild my credit score, which today plays such a big as to who will lend you money to improve your life, such a handy card, easy payments updates, tips to help save too. Thanks has made a difference Reviewed on: 17th March 2021

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