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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43294 reviews)

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4.94

Based on 43,294 reviews, last reviewed 8th Mar 2026

146350% 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

Great bank Easy to use, good interest rates and helpful Reviewed on: 8th 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 (43294)

Great credit card

Payments are instant on the credit card and no foreign transaction charges, perfect for holiday spending Reviewed on: 14th January 2023

Best credit card in the world

Is a blessing to can have the opportunity to manage in how many months you want to pay , change it wherever you want is perfect Reviewed on: 14th January 2023

Helping Money move the Right Way

Zopa is a fantastic concept and ideal for people wanting to repair their credit rating, as well as providing customers peace of mind. Reviewed on: 14th January 2023

Credit card

Quickly submitted aplication and quicky received my credit card Reviewed on: 14th January 2023

Easy to use and manage

Very good credit card easy to use and mange credit limit just right for my needs Reviewed on: 14th January 2023

Honest finance

I had some negative factors on my credit file and was refused credit elsewhere. Zopa looked past my historic information and looked at my recent history from the last few years. They provided me a manageable credit limit. This was a lifeline at the time that has also helped me build my credit score. Reviewed on: 14th January 2023

Great card

Great card great company and always easy to deal with Reviewed on: 14th January 2023

Great was to improve credit score

Zopa is a great way to improve your credit score. The lintel given is just enough to make sure you don’t struggle and able to repay Reviewed on: 14th January 2023

Helpful credit card

Zopa credit card helped me when I needed it to help build my credit score and the interest rates are not to bad I would recommend this credit card to anyone Reviewed on: 14th January 2023

Amazing card and easy to use app.

setting up was quick and easy, app simple (but not basic) and easy to understand Reviewed on: 14th January 2023

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