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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)

Customer service

Always willing to listen and give you the correct advice strongly recommended them to my family and friends Reviewed on: 16th February 2021

Brilliant

Superb service and products excellent Reviewed on: 16th February 2021

Overdraft

Zopa has given me more freedom over my overdraft options where as my bank wouldn't Reviewed on: 16th February 2021

Great csrd

Easy to set up easy to control spending easy to use app Reviewed on: 16th February 2021

Fantastic service and easy to use , what is there not to like ??

Zopa is a fantastic service and great for keeping track of my spending. Reviewed on: 16th February 2021

So easy to understand everything

I can’t find a single fault in how they pass on and work with customers and the app is the best I’ve seen Reviewed on: 16th February 2021

Zopa works for me

There is a lot of credit card lenders, but I find zopa credit card great and it suits my needs there is great features that help with credit building ,its easy to keep track of your spending and overall a great experience they seem to be adding new features all the time and even moving with the times. Reviewed on: 16th February 2021

Despatching and asking ID

Very poor service. First despatch card then after week just sent one email that need ID Reviewed on: 16th February 2021

Excellent

Just excellent service clear what u can and can't do. Reviewed on: 16th February 2021

Early days but haven't had any issues

Easy to use app and an easy manage able limit Reviewed on: 16th February 2021

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