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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 43,493 reviews, last reviewed 19th Mar 2026
155700% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
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0%

Latest highest rating:

5

Always great response . Always great response . Good app . Clear numbers . Easy to pay . Helpful support team Reviewed on: 19th March 2026
Christine O's avatar
Christine O

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
Thobekile Nkomo 's avatar
Thobekile Nkomo
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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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Zopa Credit card reviews (43493)

Excellent

5
Excellent card provider, never let me down. Reviewed on: 14th January 2023
mbput02's avatar
mbput02

Great way to get on the credit ladder

5
I found Zopa so friendly and helpful, such a great service, Easy to set up and use. A good way to build your credit rating. One of the best cards out there, and I've used them all. Can't fault this company. Worthy winners in my book. Reviewed on: 14th January 2023
Robert McCullough 's avatar
Robert McCullough

Top top

5
The best for sure! Top top top! I'm so glad! Reviewed on: 14th January 2023
COINTEC's avatar
COINTEC

Outstanding service and overall amazing

5
So easy to apply and repayments are so reasonable and if I ever need to call they are so helpful also this card has boosted my credit rating Reviewed on: 14th January 2023
stephen_ford01@live.co.uk's avatar
[email protected]

Amazing credit card option

5
Zopa offered me a card with a low credit limit when I was struggling to build up my credit score. I really appreciated this. They seem to care about the customer more than they do about upping limits and increasing the interest. Reviewed on: 14th January 2023
Elizabeth Wilding's avatar
Elizabeth Wilding

Excellent

5
Very easy and helpful customer service take 2 minutes to apply Reviewed on: 14th January 2023
Wahid 's avatar
Wahid

Simple and easy

5
Easy to use and clear, great customer service. Reviewed on: 14th January 2023
Loczi Jaworska's avatar
Loczi Jaworska

Great credit card

5
Helped me recover my low credit rating Reviewed on: 14th January 2023
Ed Speller's avatar
Ed Speller

Hassle free banking

5
Easy hassle free banking and borrowing Reviewed on: 14th January 2023
leek02_hushed@icloud.com's avatar
[email protected]

Terrible

1
I’ve had a credit card for years been paying on time every time . Been waiting for them to increase my credit limit as it is as little as £200 I’ve got many more credit cards all starting with the same limit and they’ve all increased it to £3000 but this credit provider will not worst credit provider ever Reviewed on: 14th January 2023
Ian Jones's avatar
Ian Jones

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