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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

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4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44349)

Easy app, multiple options

Loving it! App works womder. Can freeze card. Set some amount aside etc Reviewed on: 15th February 2021

Zopa card: AMAZING

Amazing card with awesome benefits Reviewed on: 15th February 2021

Simple!

I have found the whole process simple. Making extra payments is easy and it appears in my account immediately. I couldn’t recommend them enough! Reviewed on: 15th February 2021

So. Simple.. Its the best

It is just so quick and simple to set up. And there is no jargon it is explained so that it is easy to understand. Every time you use the card you will get a text message to say how much and where. Also the app is easy to use Reviewed on: 15th February 2021

Experience

Excellent service information about your account is right up to date with informing you of what you’ve spent and your balance Reviewed on: 15th February 2021

Give me help when I needed it

I have £200 limit which I could do with a higher one Reviewed on: 15th February 2021

Great service

Amazing customer awareness with an understanding of current circumstances Reviewed on: 15th February 2021

Best credit card

Came on time expected., easy to use Easy to activate. Reviewed on: 15th February 2021

Excellent card

Quick and easy to use and no waiting for credit updates Reviewed on: 15th February 2021

Excellent Credit Card

I have had credit issues in the past but Zopa seem to look beyond history and at the current. The card arrived in a timely fashion and was exceptionally easy to activate. The online app is excellent for tracking and monitoring spending, the 'buffer' is a great idea for reassurance. I really like the option of paying back either the total balance or a portion of the total whenever it is convenient as that allows me to remain in control of my card. Reviewed on: 15th February 2021

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