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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)

Excellent customer services App very easy to use

Excellent customer services App very easy to use Reviewed on: 1st March 2025

Excellent communication from a company

Excellent communication via e mail and notifications Reviewed on: 1st March 2025

They helped me when no other company would.

They helped me when no other company would. Without them I would have been in serious financial trouble Reviewed on: 1st March 2025

Excellent services

Love it as card came at the right time Reviewed on: 1st March 2025

Brilliat always there when I need it

Brilliat always there when I need it Reviewed on: 1st March 2025

Great credit card very fair Apr Great app and good c...

Great credit card very fair Apr Great app and good chance of credit increase if used sensibly Reviewed on: 1st March 2025

I love banking with zopa

Been with Zopa a long time, they reward loyalty and keep bringing new ways to improve banking and make it simpler. Reviewed on: 1st March 2025

Exceptional App to compliment a great Credit Card

I've been using my Zopa credit card for several months now and have enjoyed being a customer. The application process was straightforward, and I was pleasantly surprised by the competitive interest rates offered as I have had previous credit problems. The app is user-friendly, making managing my account and tracking my spending a breeze but it also has additional features which I love and use such as the Growth Hub and borrowing power features which help you continue your journey in building up your Credit. Reviewed on: 1st March 2025

Good app;interest rate not bad.

Good app;interest rate not bad. Customer service okay Reviewed on: 1st March 2025

Zopa took a chance on me when no one else would

I could not get approved for a credit card anywhere due to it being my first time applying for credit and having a thin file. Zopa took a chance on me, and I'll be forever grateful. What I love about Zopa in comparison to other credit card companies is that when I make a payment, it updates IMMEDIATELY! Zopa don't create fuss, and their systems are easy to use, and straightforward. I also opened a current account with them which I am thrilled about. My debit card is sooooooooo pretty! All in all, I genuinely believe that with Zopa creating such an easy-going environment, that it's made keeping track of my Credit way easier! Reviewed on: 1st March 2025

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