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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)

Not one problem

Never any issues, always answering any concerns I may have Reviewed on: 13th January 2023

Effortlessly simple!

Awesome! Great fluid app, easy navigation and totally transparent. Top marks! Reviewed on: 13th January 2023

Fantastic service

A great card that’s easy to use with frequent updates about billing etc . Reviewed on: 13th January 2023

Easy to use

Very easy to use and set up. Making payments easy and the online app is great. Reviewed on: 13th January 2023

Most easiest card to use

I have a couple of ceedit cards and find zopa to be the easiest one to understand and the flexibility of the card and repayment is fantastic I have recommended this card to more then one family member as other card companies can be miss leading. Reviewed on: 13th January 2023

Zopa

Does what it says on the tin, good credit card provider, could do with higher limits Reviewed on: 13th January 2023

Customer friendly application process and prompt response.

The application process was intuitive and easy to follow. Both the response and card also came soon after the approval. Reviewed on: 13th January 2023

Easy to apply and good customer service

It was easy to apply at the beginning. My experience with Zopa is good overall. After a few months with them, they've increased my credit limit, which is fantastic. Reviewed on: 13th January 2023

Great straight forward service.

Every part of the site navigation and the process is made simple and easy for great customer experience. Reviewed on: 13th January 2023

Great!

So easy let you know when you need to top up and top up is instant! Reviewed on: 13th January 2023

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