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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

312800% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Zopa

Brilliant company first class staff Reviewed on: 21st February 2023

Great company

Has really helped build my credit score Reviewed on: 21st February 2023

Great card

Was really easy to apply, the card has been amazing & no issues what so ever! Reviewed on: 21st February 2023

Great credit card

Happy with my experience of Zopa, no waiting for payments to clear it updates straight away, app is very easy to use Reviewed on: 21st February 2023

Service

Great customer service called up with a question and staff were so friendly and professional problem was quickly sorted out and resolved Reviewed on: 21st February 2023

Top Quality

Very Reliable Credit Card for General Usage Reviewed on: 21st February 2023

No issues.

Quick and easy application process. Reviewed on: 21st February 2023

Good to use abroad

The charges for foreign currency transactions are low, and they pop up immediately in the app on my phone, so I can keep track of what I have spent - and how much credit is remaining. The monthly payment is taken off my debit card, which means it sometimes goes out on a Saturday or Sunday ( in contrast, bank direct debits falling on a weekend or bank holiday seem to get delayed until the next working day ). Reviewed on: 21st February 2023

Excellent offering

Ticks every box with ease to use and manage Reviewed on: 21st February 2023

App is amazing

Love Zopa so easy and customer friendly. App is wonderful and the best to use Reviewed on: 21st February 2023

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