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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43495 reviews)

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4.94

Based on 43,495 reviews, last reviewed 20th Mar 2026

155800% 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

Explfantastic service Explain why not.eligable for change to lending amounts gives.plenty notice of payment amounts quick and easy to use Reviewed on: 20th 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 (43495)

Highly recommend

Zopa was the only one who accepted me as a client to build my credit score. With no history or bad credit because I didn`t have loans, mortgage, etc. they offered me a credit card. Reviewed on: 14th January 2023

Great card

The app is really good to use and you can manage you account with ease on if Reviewed on: 14th January 2023

I recommend

The best card ever i have i recommend Reviewed on: 14th January 2023

Top Notch

Quick, easy, friendly!! Easy application, simple straightforward, open and honest. I know exactly where I stand and even though I am in a good place financially I feel like, unlike alot of companies out there, if I had problems Zopa would be more than happy to.help. Jave already taken more products (very competitive savings) and look forward to a long rewarding relationship. Reviewed on: 14th January 2023

Straight forward

From start to finish straight forward, no hassle, totally would recommend it to anyone. Reviewed on: 14th January 2023

Best credit card provider!

Simple to use, good credit limit and access to low rates loans! Reviewed on: 14th January 2023

Best credit card I have

Been brilliant from day 1, would definitely recommend. Reviewed on: 14th January 2023

Useful card

Since I open a credit card with zopa I used it frequently and I am okay with them ! Reviewed on: 14th January 2023

Brilliant

Zopa is just a superb credit card and not like a lot of credit cards where you have to wait days for the payment to go through zopa take minutes and its credited to your account almost emmediatley I throughly recommend it Reviewed on: 14th January 2023

Great service and product!

Credit done great! It no longer feels like a burden to access finance, more of a partnership with a great mentor! Reviewed on: 14th January 2023

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