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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

312800% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Amazing and helpful

I'm very happy with the choices provided, its very helpful and useful. They have an amazing helpline for costumers who need advice or don't know how to do something on the app. I recommend Zopa all the time! Reviewed on: 13th January 2023

Easy no silly lending amounts

After have a terrible experience with credit card debt in the past under step change I refrained from getting a card for many years I have a credit card with 300 limit which is always there if I ever need anything and haven’t got funds easy functional safe ! 10/10 Reviewed on: 13th January 2023

Communication good quick clearance of funds

Overall experience is very good especially clearance of funds same day availability Reviewed on: 13th January 2023

Everything I wanted from a credit card

Zopas app is very user friendly not like most apps which are not and everything about them is helpful and clear a pleasure to be part of this company would recommend to everyone Reviewed on: 13th January 2023

1st class service

quick decision and credit limit was exactly what I needed. App is brilliant and allows me instant access to my account Reviewed on: 13th January 2023

The best

10 stars.is the best company for people Reviewed on: 13th January 2023

Best credit

Becouse low fee very good card in my life Reviewed on: 13th January 2023

Best credit card provider

Application process is easy and customer service amazing. Reviewed on: 13th January 2023

Excellent Responsible Credit Provider

When my credit score was poor, Zopa were there to offer a limited credit limit credit card for me to help improve my score and nearly 12 months later, they have consistently advised & help me use my card the correct way and my credit score is good now with there support. Excellent 11 out of 10 Reviewed on: 13th January 2023

Excellent credit card provider

Spot on customer service, easy to use app, generally really good credit card. Reviewed on: 13th January 2023

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