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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)

Very easy to use

Easy to use, friendly team and great at communicating changes to your services Reviewed on: 21st February 2023

Best Credit Card App

Extremely easy to use with a excellent app service I have had no issues at all Reviewed on: 21st February 2023

Great service

Always a great service from zopa Reviewed on: 21st February 2023

GOOD SERVICE

KEY INFORMATION ACCESS VIA APP AND EASY ACCESS Reviewed on: 21st February 2023

Simply easy to use app makes financing easier

Smyth and easily navigated around the app Reviewed on: 21st February 2023

Simple and effective

When I applied for my credit card, I was approved very quickly without any complications and was sent my card and details without delay. Since then, it has been very simple to manage my account, with regular communication from Zopa, monthly statements and the ease of arranging the minimum payment to roll month to month. Zopa also give tips on how to improve your financial picture, for example, your borrowing power, and then provide recommendations for credit. Reviewed on: 21st February 2023

Brilliant

Brilliant easy to deal with .no problems what so ever Reviewed on: 21st February 2023

Simple and easy to use and very friendly

I signed up for a Zopa credit card in 2022, and I've never had a more pleasant experience with a lender before. From the application process to the iPhone app, the experience has been seamless and easy to navigate. Highly recommended! Reviewed on: 21st February 2023

Excellent product easy to use!

I would highly rate zopa! Their products are brilliant and the app is a lot better and easier to use than most! Reviewed on: 21st February 2023

Excellent provider

I use the credit card regularly. Very happy and high recommendation Reviewed on: 21st February 2023

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