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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Good Card

App makes it easy to manage your money Reviewed on: 21st February 2023

easy application process

It was so easy to apply, get access to your finances on their app. Brilliant! Reviewed on: 21st February 2023

Excellent company

Excellent company The App is fantastic you can keep an outgoings and payments Keep up the good work INTREST is low APR Reviewed on: 21st February 2023

Good service and I have not been disappointed

The customer service team respond to you quick Reviewed on: 21st February 2023

Great credit card

I enjoy using my credit card as I know that the APR is good my my poor credit history and it’s helping me build it back up again. Reviewed on: 21st February 2023

Zopa are a responsible lender who really helped me when I was in a pickle

Can’t fault Zopa with their assistance with a credit card. From start to finish, itcwas an easy process and I wouldn’t hesitate to recommending them to friends & family Reviewed on: 21st February 2023

easy set up easy app

fantastic app and easy to use. The interest rate could be a bit better Reviewed on: 21st February 2023

Best credit card ever

The zopa is a very good credit card, it does not give you much interest rates and that ends up being wonderful for the customer, the app is easy to use, I really can not let go of this card, very good! Reviewed on: 21st February 2023

Easy and smart credit card provider

Never had an issue with Zopa. Easy to use, no hidden fees. Customer service friendly and have good technical expertise. Reviewed on: 21st February 2023

Peace of mind.

Easy to use, app is simple to navigate and quick to respond. Reviewed on: 21st February 2023

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