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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)

Amazing service, reliable, quick and great customer service

I have had zopa credit card for a while now and have found the whole bank/ online bank so simple and easy to use, definitely good for me as i'm a beginner credit card user . the customer service is great and always get back to me very quickly. Reviewed on: 21st February 2023

Easy to use, not expensive

Had no issues, everything is smooth. Reviewed on: 21st February 2023

I've already recommended them to friends and family.

Zopa is very simple to use with reasonable rates, their app helps me keep track of my spending and set a buffer so I don't spend too much. Really helps me to manage my card. Reviewed on: 21st February 2023

Great tailored rates

Great app, easy to use and good rates Reviewed on: 21st February 2023

Great service

Great service. Easy to use and website is good also Reviewed on: 21st February 2023

Fantastic company

Zopa have been great, their interest rates are so reasonable and I get to pick my direct debit amount which I'm comfortable with. I like that I get alerts on how much my balance is so I can keep an eye on spending and they make payments really simple. The app is really easy to navigate as well which makes it nicer to see all of Zopas offers. Reviewed on: 21st February 2023

Positive experience.

Never had an issue with my Credit Card, few times I've needed support they've been extremely quick to respond and resolve the issue. No complaints, happy customer! Reviewed on: 21st February 2023

Very very good

Zopa is a very good card, when other cards won't believe me he was the first I really like being part of this team Reviewed on: 21st February 2023

Good experience

Very good experience and nice product to start with building credit score Reviewed on: 21st February 2023

Easy

Easy to navigate and keep track of your credit score and spend Reviewed on: 21st February 2023

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