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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44329 reviews)

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4.94

Based on 44,329 reviews, last reviewed 18th Apr 2026

44% 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:

4

Using since more than 6 months still i haven’t got e... Using since more than 6 months still i haven’t got extra credit limit i don’t know why while other cards are offering limit increase just zopa is not ... Read more Reviewed on: 18th April 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 (44329)

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

Flexible, accessible and transparent product with excellent customer service

Very good user-friendly website with easy to navigate pages. The vetting process is quick and easy to follow. Decisions are speedy. Once loans are granted you can track repayments easily. Early repayment is no bother. One of the best companies around Reviewed on: 15th February 2021

Very good company

Trustworthy and honest company. Affordable repayments and customer service is always good Reviewed on: 15th February 2021

The best overall card and service

The app and the card are brilliant Reviewed on: 15th February 2021

Zopa are the perfect choice to help rebuild your finances and credit rating. Excellent!

At the point of first contact when I took the card on Zopa have been supporting and open in their practice, nothing hidden, I would highly recommend them to family and friends. Reviewed on: 15th February 2021

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