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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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4.94

Based on 44,332 reviews, last reviewed 18th Apr 2026

40% 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44332)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

everything i needed and more needed a credit card we...

everything i needed and more needed a credit card went on line filled in easy application and accepted there and then Reviewed on: 23rd April 2025

It’s easy and easy

It’s easy and easy and so good to use I recommend it so much Reviewed on: 23rd April 2025

Zopa has been really easy to access and use.

Zopa has been really easy to access and use. I have been able to navigate the app and website with no difficulty and when I have contacted a representative they have been friendly and knowledgeable. Reviewed on: 23rd April 2025

Zopa in my life

Having has to rebuild my credit profile, Zopa have been with me each step of the way. They have treated me as a human being and not as something on the bottom of your shoe. Always there for you. I feel safe and am so happy with Zopa in my life. Reviewed on: 23rd April 2025

It just makes sense

Easy to apply for the card and excellent customer service. I use my zopa account as my main everyday spending. It is so convenient Reviewed on: 23rd April 2025

Great starter card to build credit rating up.

Great starter card to build credit rating up. Reviewed on: 23rd April 2025

Great service and friendly advisors

Great service and friendly advisors Reviewed on: 23rd April 2025

Application process

Very simple application process and response fast. Reviewed on: 23rd April 2025

It's been a smooth rise with Zopa so far.

It's been a smooth rise with Zopa so far. Not had any issues or reasons to complain. Reviewed on: 23rd April 2025

You Gotta Zopa!

Great user friendly app. Great rates on card. The customer service team are helpful. The app has great FAQs too. Reviewed on: 23rd April 2025

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