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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 43,504 reviews, last reviewed 9th Apr 2026
156250% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
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5%
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Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026
Gus Ibrahim's avatar
Gus Ibrahim

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
Sener Erman's avatar
Sener Erman
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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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Zopa Credit card reviews (43504)

Really easy and hassle free card

5
Helped me get back in control of my credit score, really helpful app and helpful advice about rebuilding my credit score after being hit by the recession Reviewed on: 11th January 2023
Nicfarr84's avatar
Nicfarr84

Easy and straightforward

5
This card is easy and straightforward to use. I applied for the card so I could improve my credit score. I have increased it a little and was offered an increase in credit which I didn’t accept at first. I would recommend Zopa to anyone who has a bad credit score and wants to improve. Reviewed on: 11th January 2023
Claire's avatar
Claire

Excellent customer service

5
Easy Mobile app. Easy and fast customer services reply. Reviewed on: 11th January 2023
Chris Wood's avatar
Chris Wood

Excellent

5
Very professional and friendly service Reviewed on: 11th January 2023
David 's avatar
David

Brilliant Bank

5
Any deposit or withdrawal is show almost instantaneously on the Zopa app which is very reassuring security wise. The savings account interest rate is one of the best on the Uk market! We’ll not be moving away! Reviewed on: 11th January 2023
Jim Tarwacki's avatar
Jim Tarwacki

Great credit card

5
Really straight forward to apply with easy to understand rates. Would definitely recommend. Reviewed on: 11th January 2023
Lozzahy's avatar
Lozzahy

Trouble free

5
I've had my Zopa Card for just over a year now and I can honestly say I've never had an issue. I love how easy it is to alter things in the app, the interest rate is sensible and the regular emails that update me on things are very handy. Reviewed on: 11th January 2023
Lorna86's avatar
Lorna86

The first and only credit card provider that offered me a credit card

5
When I was 18-23 I had some difficulties with my credit file which I am progressively sorting out. I am in a much better position with finances now yet it's extremely difficult for me to gain credit products, however, Zopa was the first and only provider to offer me a credit card which has eventually help build my credit score. Additionally, they also offered me a credit limit increase which has been an absolutely god send. The app is extremely easy to use, and repayments are instant so no more waiting 2-3 days before balances are cleared. Should you have any concerns or queries, you can directly message Zopa via the app which is just very fitting for today's times. I highly recommended and enjoy Zopa. Reviewed on: 11th January 2023
Aaron Faithful's avatar
Aaron Faithful

Excellent in every way

5
Excellent card, easy to us, to pay and if you have any queries staff treat you as a valued customer Reviewed on: 11th January 2023
Celticmum 's avatar
Celticmum

Excellent

5
Always excellent customer service. Reviewed on: 11th January 2023
Ian L's avatar
Ian L

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