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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 reviews)

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4.94

Based on 44,339 reviews, last reviewed 26th Apr 2026

36% 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

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th 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 (44339)

Easy and quick response if you have an issue

Easy and quick response if you have an issue Reviewed on: 31st March 2025

So easy to use and the app is great

So easy to use and the app is great Reviewed on: 31st March 2025

Very helpful and quick response to questions

Very helpful and quick response to questions Reviewed on: 31st March 2025

Zopa changed my life my credit score my future

Zopa changed my life my credit score my future Reviewed on: 31st March 2025

Excellent comms

From day one I have had excellent communication and regular correspondence Reviewed on: 29th March 2025

Very easy to set up a new credit card, simple and us...

Very easy to set up a new credit card, simple and user friendly. No drama with Zopa just straightforward and informative layouts. Would recommend highly. Reviewed on: 29th March 2025

Have a Zopa card and would highly recommend very go...

Have a Zopa card and would highly recommend very good customer service Reviewed on: 28th March 2025

Easy application process.

Easy application process. Good human interaction from Zopa's side as part of the checks. Realistic amounts offered. All round excellent service. Reviewed on: 28th March 2025

Excellent

Very transparent and good at not letting you down. Reviewed on: 27th March 2025

I’ve been using the Zopa credit card for a while now...

I’ve been using the Zopa credit card for a while now, and I must say, it has been a fantastic experience. The standout feature for me is the Zopa mobile app—it’s incredibly intuitive, allowing me to track spending, set payment reminders, and manage my card with ease. Everything is clear and well-organized, making financial management simple even for someone who isn’t tech-savvy. Another huge plus is the customer service. Whenever I’ve had a query, their team has been quick to respond and genuinely helpful, which isn’t always the case with credit card providers. The application process was also fast and hassle-free, with a quick decision and smooth onboarding. The interest rates and fees are competitive, and I love that Zopa offers real-time spending insights to help me stay on top of my finances. However, one area for improvement would be the ability to request credit limit increases, as this currently isn’t an option. Also, at the time of writing, Apple Pay and Google Pay aren’t supported, which would be a great addition for convenience. Overall, if you’re looking for a modern, app-based credit card with great customer support and easy financial tracking, Zopa is a solid choice. I’d highly recommend it to anyone who values a digital-first experience! Reviewed on: 26th March 2025

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