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Zopa: Credit Card reviews

Name: Credit Card
Rating: 4.92 (37016 reviews)

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4.93

Based on 37,016 reviews, last reviewed 3rd Apr 2025

437500% increase in 5 star reviews

in the past 90 days

600% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent service no concerns at all Excellent service no concerns at sll Reviewed on: 3rd April 2025

Latest lowest rating:

2

Had £200 credit limit for few years. Had £200 credit limit for few years.. No limit increase despite reasonable credit score and utilisation Reviewed on: 2nd April 2025

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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.

Zopa Credit Card reviews (37016)

Review of the Zopa, Credit Card:

Interest increases

I have had 5 interest rate increases in the past 12 months, 2 increases were 1 month apart. I have never been offered a credit limit increase and have had the card for 2 years +, leading me to take a new card from another provider who instantly gave me a credit limit 6 times larger than zopa, and also gave me a far lower interest rate. Reviewed on: 21st February 2023

Easy and quick response if you have an issue

Easy and quick response if you have an issue Reviewed on: 31st March 2025

So easy to use and the app is great

So easy to use and the app is great Reviewed on: 31st March 2025

Very helpful and quick response to questions

Very helpful and quick response to questions Reviewed on: 31st March 2025

Zopa changed my life my credit score my future

Zopa changed my life my credit score my future Reviewed on: 31st March 2025

Excellent comms

From day one I have had excellent communication and regular correspondence Reviewed on: 29th March 2025

Very easy to set up a new credit card, simple and us...

Very easy to set up a new credit card, simple and user friendly. No drama with Zopa just straightforward and informative layouts. Would recommend highly. Reviewed on: 29th March 2025

Have a Zopa card and would highly recommend very go...

Have a Zopa card and would highly recommend very good customer service Reviewed on: 28th March 2025

Easy application process.

Easy application process. Good human interaction from Zopa's side as part of the checks. Realistic amounts offered. All round excellent service. Reviewed on: 28th March 2025

Excellent

Very transparent and good at not letting you down. Reviewed on: 27th March 2025

I’ve been using the Zopa credit card for a while now...

I’ve been using the Zopa credit card for a while now, and I must say, it has been a fantastic experience. The standout feature for me is the Zopa mobile app—it’s incredibly intuitive, allowing me to track spending, set payment reminders, and manage my card with ease. Everything is clear and well-organized, making financial management simple even for someone who isn’t tech-savvy. Another huge plus is the customer service. Whenever I’ve had a query, their team has been quick to respond and genuinely helpful, which isn’t always the case with credit card providers. The application process was also fast and hassle-free, with a quick decision and smooth onboarding. The interest rates and fees are competitive, and I love that Zopa offers real-time spending insights to help me stay on top of my finances. However, one area for improvement would be the ability to request credit limit increases, as this currently isn’t an option. Also, at the time of writing, Apple Pay and Google Pay aren’t supported, which would be a great addition for convenience. Overall, if you’re looking for a modern, app-based credit card with great customer support and easy financial tracking, Zopa is a solid choice. I’d highly recommend it to anyone who values a digital-first experience! Reviewed on: 26th March 2025

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