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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44343)

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 are very easy and straight forward .

Zopa are very easy and straight forward .Have already recommended them to a friend. Reviewed on: 18th January 2025

Easy to apply, app is easy to use and has all inform...

Easy to apply, app is easy to use and has all information I need to manage my card. Reviewed on: 18th January 2025

Affordable rates, easy to use app.

Affordable rates, easy to use app. Credit limit increase easy to achieve Reviewed on: 18th January 2025

Absolutely fantastic customer service and comprehens...

Absolutely fantastic customer service and comprehensive advice. Reviewed on: 18th January 2025

In my time using Zopa everything is very straightfor...

In my time using Zopa everything is very straightforward, user friendly - easy to follow guidelines and steps The very occasional time I have contacted Customer Services , easy , pleasant and efficient Reviewed on: 18th January 2025

Great service understanding and quick

Great service understanding and quick Reviewed on: 18th January 2025

I was struggling to get credit and zopa give me a ch...

I was struggling to get credit and zopa give me a chance when I needed it and can't thank them enough for that app is nice and easy to use and the repayments are cheap enough Reviewed on: 18th January 2025

Can't live without your bank help .

Can't live without your bank help . Thanks a million times. Reviewed on: 18th January 2025

Easy to use and clear on payments

Easy to use and clear on payments Reviewed on: 18th January 2025

Zopa card: Strongly recommend for any responsible pe...

Zopa card: Strongly recommend for any responsible person, trying to recover a low credit score. My IVA was paid to off earlier, so I applied for credit history building cards on clear score. The only lender willing to give me a card was Zopa. The application took minutes. My card arrived within four days. The limit is tiny, but it fits the purpose of recovering a poor score. Reviewed on: 18th January 2025

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