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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

156350% 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)

Brilliant

No issues whatsoever, everything is on an app on your phone. Perfect Reviewed on: 13th January 2023

Good customer service

Quick response and friendly staff. Reviewed on: 13th January 2023

Credit where Credit is Due

Excellent service and upgrade in credit limit is closely monitored Reviewed on: 13th January 2023

Simple, clear and accessible

Great experience, easy to use app, Zopa are transparent about their products and straightforward to deal with. Reviewed on: 13th January 2023

Credit card

Good company , recomand with trust! Reviewed on: 13th January 2023

Fab card

Great card and app esay to use and always keeps you informed about balance Reviewed on: 13th January 2023

Poor credit increases

I've been with this company for over a year and not once had a credit increase on my credit card and yet other cards I have with other companies have been increased alot Reviewed on: 13th January 2023

Outstanding

I was previously struggling to get fair APR on my loan credit applications Zopa treated me fairly and boosted my credit applications Brilliant company Reviewed on: 13th January 2023

Excellent

Easy to use and great company ! App is great and instant notifications which is ideal Reviewed on: 13th January 2023

Very manageable

Realistic credit limit, easy to make payments, payment reminders and has an app! Everything you could want from a credit card Reviewed on: 13th January 2023

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