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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

Easy, simple, adaptable

I chose Zopa as it had the adaptability and measures to help me use the credit card safely and with knowledge that I could set my limit with a back drop! It was also easy to apply and a simple set up once it was all done. I have found Zopa to be so easy to work with. Reviewed on: 21st February 2023

Easiest credit card to use.

The best thing about this card is that once you make your payment it is shown in your available balance immediately whereas other cards have their 2-3 day waits. The app is simple, accurate and easy to navigate. Customer service is always helpful. Within the Zopa app you can also see your borrowing power and credit score overview. It is the most convenient thing in my purse. Reviewed on: 21st February 2023

Really easy and reliable system

Haven’t had any issues I use my card regularly and I like the interest rate Reviewed on: 21st February 2023

A good card to spred your budget so long as you pay off your balance

My first credit card in years and finding it useful to tide me over when managing my budget Reviewed on: 21st February 2023

Brilliant

It’s really easy to use and pay your daily expenses with zopa credit card Reviewed on: 21st February 2023

AMAZING

Thanks Zopa. With your trust in me and your help my credit rating has improved so much. Thank you Reviewed on: 21st February 2023

Easy Application, Fair Credit Amount

Very happy with Zopa both before and after my application for a credit card, have recommended it to others which is something I wouldn't normally do when it comes to borrowing money Reviewed on: 21st February 2023

Great App and live transactions/payments

I’ve been pleasantly surprised by this credit card. Not only is the functionality better than expected, I’ve noticed my credit score improve by nearly 40% in just a few months A few competitor cards don’t acknowledge payments for 1-2 days. ZOPA is instant. Makes it so much easier to manage your finances Reviewed on: 21st February 2023

Fantastic

Simple and very easy to use. Highly recommended Reviewed on: 21st February 2023

Great Card from a good company

A good card for those of us who are trying to rebuild our credit score and with an App that is so easy to use, even an OAP like me can use it. Reviewed on: 21st February 2023

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