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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44203 reviews)

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4.94

Based on 44,203 reviews, last reviewed 16th Apr 2026

69% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Rill isn’t from day one. Rill isn’t from day one. No problems listen to feedback and take action on it. Reviewed on: 16th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (44203)

Brilliant

Brilliant company excellent service and very easy to use the app Reviewed on: 15th February 2021

Flawless

From start to finish Zopa has been brilliant, the application to having the Account is so seamless. Top work guys Reviewed on: 15th February 2021

Simple

A really great simple informative process with some great features in the app Reviewed on: 15th February 2021

Easy to use

Just a great card, great service - genuinely makes me think normal traditional ways of banking are coming to an end. Reviewed on: 15th February 2021

Fantastic service

I have found Zopa a great service, keeps me updated on on credit score and whether my borrowing power has changed. Really helps me keep on track, great credit building card. Reviewed on: 15th February 2021

Really easy to manage

I'm really liking this card. I like that there is the feature of setting aside a buffer, and that the app is so easy to use and gives me alerts to each purchase so no surprises. Really useful. Reviewed on: 15th February 2021

Great card, helpful and amazing app and great support and advice

I have poor credit and Zopa has opened the doors to help meanage my money and the App and messaging alert functions is really helping me manage my money and improve my credit. No other bank has made being better with money so easy and open. Highly recommended Reviewed on: 15th February 2021

Excellent service

Excellent service and really helpful Reviewed on: 15th February 2021

Fantastic

Easy to apply and easy to manage on app Reviewed on: 15th February 2021

Easy peasy

I am new to Zopa and find it very easy to use and check balance, make payments etc Reviewed on: 15th February 2021

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