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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.

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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 (44343)

Choosing Zopa as a credit card provider has turned o...

Choosing Zopa as a credit card provider has turned out to be a great choice. The account was easy to set up and the app is easy to navigate, with some insightful features to help manage your finances and look after your credit score. Fantastic customer service, very happy with Zopa and will recommend to others. Reviewed on: 16th January 2025

Zopa are outstanding thus far

From the moment I accessed the app I knew Zopa were a completely different solution from other providers. The app is intuitive and contains lots of useful information. The Credit cushion is genius. Credit scoring info is accessible and supportive insights are provided. Additional lending availability is clear but not forced on you. AND they make it easy for you to pay them back and owe them less. Reviewed on: 16th January 2025

Zopa app is so easy to use and would recommend I hav...

Zopa app is so easy to use and would recommend I have no issues Reviewed on: 16th January 2025

Excellent

Excellent Highly recommend and will be using again . Excellent , thankyou . Reviewed on: 16th January 2025

I always had a good experience good service

I always had a good experience good service Reviewed on: 16th January 2025

Is a fantastic organization with excellent service

Is a fantastic organization with excellent service Reviewed on: 16th January 2025

Best card I have ever had

Can’t recommend Zopa enough it has helped me build my credit score immensely and excellent Apr rates and customer service outstanding excellent card Reviewed on: 16th January 2025

all good so far , app is also easy to use .

all good so far , app is also easy to use . Reviewed on: 16th January 2025

A very good card to have responsible lending and exc...

A very good card to have responsible lending and excellent communication with customers Reviewed on: 16th January 2025

Hello, I was needing some financial help so I applie...

Hello, I was needing some financial help so I applied for a Zopa credit card not thinking that I would be accepted. When I received the reply offering me a credit card, I was very happy as it eased the pressure on my family Christmas shopping and everyone had a great Christmas thanks to Zopa. Reviewed on: 16th January 2025

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