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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

48% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st 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 (44345)

Easy simple modern

Great app, simple to use and easy to understand. Using the credit card is am very safe I’ve found. Get a text with a code to make sure your doing the purchase. 10/10 for me so far. Reviewed on: 15th February 2021

Excellent non pushy service

Quick, simple, reliable, honest, just a few of the words to describe Zopa. Non pushy, clear terms, great to use Reviewed on: 15th February 2021

Easy and straightforward

Application was straight forward very quick response set up direct debit to pay balance off every month easy to keep a eye on your account on line information received from Zopa every time there is a transaction on the account so you know straight away I would recommend Zopa no hesitation many thanks Reviewed on: 15th February 2021

Best card available.

Quick and easy to apply and get card within a few days Reviewed on: 15th February 2021

Very good and very helpful

Everything is very good and would recommend too others Reviewed on: 15th February 2021

Fabulously Easy

Everything from application to managing use is straightforward and easy. Communication from Zopa makes managing my card really intuitive Reviewed on: 15th February 2021

Very easy to use.

A very simple application process. Easy to navigate app. A great plus, payments show on your balance INSTANTLY! Reviewed on: 15th February 2021

A helping hand

I wanted to start building my credit rating. Zopa has been really good, the credit limit was not set to high at the start so as to not get myself in too much trouble. They have a great app so you can keep in the know of every penny spent. I’m very happy with Zopa! Reviewed on: 15th February 2021

Good service and easy to use

Very happy with Zopa! Amazing credit card, will recommend to anyone Reviewed on: 15th February 2021

Quick and easy

Really quick decision, easy to apply and use Reviewed on: 15th February 2021

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