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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44343)

Great company to have a credit agreement with.. everything is transparent and the application is straight forward.. interest rates comparable with any other company

Very is and fast application.. Immediate decision Reviewed on: 13th January 2023

Zona credit card

Easy to access,fast response, easy to use app Reviewed on: 13th January 2023

Allowing me to slowly move forward!

Fantastic little credit card. Not a great credit limit, but it’s a start. So thank you. Reviewed on: 13th January 2023

Mr Sadji

Very good coustomer service and good service Reviewed on: 13th January 2023

Simple

Simple and efficient card provider with great app back up. Reviewed on: 13th January 2023

Zopa credit card

Easy to set up and use app. Sensible starting amount. Don’t increase to frequently so you don’t get over your head. Sensible lenders and tools in app to help manage and improve credit score. Reviewed on: 13th January 2023

Great build credit

Easy process to apply for a card. Instant response to say yes or no. The app is where it is the best. You can easily see all transactions. When payments are due. Recommendations for setting up direct debits if needed. Ways to save money. It’s just so friendly and doesn’t judge you if you’ve had bad credit in the past Reviewed on: 13th January 2023

:)

quick verification and despite the low capacity I got the card Reviewed on: 13th January 2023

seems i,m barred frm using my £500 credit as i was told i,d have buy new smartfone as cudnt use app on my laptop

dont remember my acceptance had big letters 'no smartfone no credit! in my name aswell...be gr8 if can b sorted but after recnt treatmnt not holding breath..sorry wish had sumthing more positive to say Reviewed on: 13th January 2023

Very good

Great provider and excellent service Reviewed on: 13th January 2023

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