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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

35% 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)

Good service and reasonable apr.

Good service and reasonable apr. Minimum repayment option or pay on full Reviewed on: 15th January 2025

Excellent service whit good rate and flexible payment

Excellent service whit good rate and flexible payment Reviewed on: 15th January 2025

Perfect to build credit score.

Perfect to build credit score. Easy to use app. Reviewed on: 15th January 2025

Use abroad.

Good service, keep me informed and free to use abroad. Reviewed on: 15th January 2025

Top credit card

Easy to use and service is excellent Reviewed on: 15th January 2025

Zopa believed in me when no other Bank did.

Zopa believed in me when no other Bank did. I still have a long way to go but they are here for me! Reviewed on: 15th January 2025

Excellent card

I have not had any problems at all with my card. I get regular emails as to what my spending has been so I can keep in control. Brilliant tools Reviewed on: 15th January 2025

Very good service easy understandable

Very good service easy understandable Reviewed on: 15th January 2025

Fantastic credit company

Easily arranged and easy to make payments on the app, good service Reviewed on: 15th January 2025

Does what it says on the tin!

App works well, money you pay in goes onto your card almost immediately, no fuss or delays. Im not sure about the customer service cos I don't think I've ever needed it. Reviewed on: 15th January 2025

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