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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st May 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 (44340)

Fantastic service and easy to use app

So easy to apply, the online app is one of the best - straightforward and easy to understand! I can make payments against my balance and they clear immediately making it so much better to budget etc. Zopa is one of the best decisions I have ever made! Reviewed on: 28th February 2025

Never had a problem.

Never had a problem. A nice manageable account Reviewed on: 28th February 2025

Very helpful credit card provider.

Very helpful credit card provider. Very good credit limit for me. Reviewed on: 28th February 2025

Good credit card.

Good credit card. Customer supper is slightly lacking Reviewed on: 28th February 2025

Good customer service is everything

Good customer service is everything Reviewed on: 28th February 2025

I have a bad credit score and no one would give me a...

I have a bad credit score and no one would give me a chance but Zopa did and I’m very appreciative Reviewed on: 28th February 2025

I like the App and the style of communication, the c...

I like the App and the style of communication, the credit cushion funcion is great Reviewed on: 28th February 2025

I have Zopa to be very easy to deal with and are ext...

I have Zopa to be very easy to deal with and are extremely helpful Reviewed on: 28th February 2025

Good service and easy to use app

Good service and easy to use app Reviewed on: 28th February 2025

Card Review

Never had any issues using the service always really easy to use and understand app Reviewed on: 28th February 2025

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