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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews See your review

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 (44342)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Zopa said yes when everybody else said no as my cred...

Zopa said yes when everybody else said no as my credit score is low, they give me a chance. Honest and clear. Reviewed on: 28th February 2025

Very communicative and providing informed notices, w...

Very communicative and providing informed notices, whilst not pestering you with marketing gimmicks. Service is fantastic and the app works as it should. Nothing to complain about. 5 stars across the board. Reviewed on: 28th February 2025

I hve found Zopa to be super efficient with regard t...

I hve found Zopa to be super efficient with regard to wueties Reviewed on: 28th February 2025

My Zopa credit card has been a fantastic way to incr...

My Zopa credit card has been a fantastic way to increase my credit score. It's easy to manage and they're really fair in terms of limit increases. I've had no issues with Zopa so far. Just be careful if your credit card is set up to be paid automatically - the direct debit is set about 7 days in advance, so if you make a manual payment the direct debit amount won't adjust. They're quick to refund you any amount you've overpaid though and that's a pretty easy process to sort out as well. Reviewed on: 28th February 2025

Very helpful customer service very polite would high...

Very helpful customer service very polite would highly recommend to family and friends Reviewed on: 28th February 2025

Easy to use app found to be customer friendly.

Easy to use app found to be customer friendly.good experience and straightforward banking Reviewed on: 28th February 2025

Intuitive App.

Zopa is very clear on the products and services. The App is fluid and intuitive. Some of the features on the is awesome and unique. Reviewed on: 28th February 2025

Great seervice

Have always had good service whether dealing with the credit card by phone or email would recommend them to my friends and family it has always been a great company to deal with Reviewed on: 28th February 2025

Easy to use and clear information

Easy to use and clear information Reviewed on: 28th February 2025

The process and dealings are exceptional

The process and dealings are exemplary Reviewed on: 28th February 2025

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