Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43505)

Amazing & friendly interface!

Amazing, really good interest & a great credit builder! Reviewed on: 21st February 2023

Get ZOPA and feel SUPER!!!

Excellent customer service right from application to phone dealings. Processes are quite user friendly and straight to the point Reviewed on: 21st February 2023

Fantastic

Brilliant card to have Zopa are always keeping me up to date with any changes Reviewed on: 21st February 2023

Great way to increase credit score

Great way to increase credit score, very easy to use app and clear information Reviewed on: 21st February 2023

Easy card

Great card start up very quick and professional Reviewed on: 21st February 2023

Quick service

I’m very happy with my Zopa card, main reason being that I can pay off the balance immediately. No holding payments for days on end and account balance cleared in seconds. Reviewed on: 21st February 2023

Excellent clear service

Such a good credit card simple to use great online banking app Reviewed on: 21st February 2023

Relief

Zopa was easy to access and sign up to, and ensuring that I could afford the repayment. Reviewed on: 21st February 2023

Great company

Always been easy being with Zopa no scary chargers and always keeping you in the loop of things Reviewed on: 21st February 2023

Just great customer service an financial help

Just great an stressfree to work with making everything possible no worries or issue Reviewed on: 21st February 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from HSBC 3.06 from 120 reviews
Credit card
from The Co-operative Bank 2.92 from 35 reviews
Credit card
from Yonder 4.97 from 948 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5954 reviews
Personal loan
from Zopa 4.94 from 68053 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub