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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 BANK GREAT APP

I’ve found this bank to be customer focused and provide a great service Reviewed on: 17th March 2021

Great option

Zopa has been super easy to use the whole time I have been with them and their app makes keeping track of usage and payments super easy and simple Reviewed on: 17th March 2021

Great little card

Great little card if you are new to credit. Simple application process and a decent credit limit to boot. I would recommend this card to anyone. I am certainly looking forward to continued business with zopa. Reviewed on: 17th March 2021

Fantastic lender

I have always struggled to get credit since some silliness in my youth. Zopa set a sensible limit and put excellent tools in place to help me maintain control. The budgeting option allows me to keep £50 as a 'reserve'. I can also set a repayment amount and date which makes things easier. I find the 'pay in' option a lifesaver so I can pay my balance off on payday and know I am covered without having to pay interest. Reviewed on: 17th March 2021

Fantastic first time credit building card

Absolutely satisfied with Zopa and the way I've been treated as a customer Reviewed on: 17th March 2021

MR VIMALENDRAN SATHYENDRA

Great excellent brilliant service I will recommend to my friends Reviewed on: 17th March 2021

Easy to use!

quick and easy to use so helpful!!! Reviewed on: 17th March 2021

Brilliant

Easy to use and easy to understand an a great service Reviewed on: 17th March 2021

Great Control

Smart little card to help build ya credit and manage and balance it well.. has a great app to! Reviewed on: 17th March 2021

Top notch

First class in every way, helpful customer services too, Reviewed on: 17th March 2021

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