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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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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

95%

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

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 (43504)

Great

Great app where I can keep up to date with payments. Good communication from Zopa who inform me when I’m close to limit and when to act. Reviewed on: 4th April 2022

Zopa, zo good!

The Zopa card is easy to use, payments via the app are simple with an almost immediate receipt of payment notification - most cards take up to 2 working days. Brilliant! Reviewed on: 4th April 2022

Very good and low interest

Love that it's low interest and the amount to pay back isn't to much Reviewed on: 4th April 2022

very good service

very good quick and effective service Reviewed on: 4th April 2022

Great help

Great help for low or abs credit. So easy to set up and use. Helpful app Reviewed on: 4th April 2022

Mega review for mega company

I have had a fantastic experience and what I love more is how easy it is to communicate with agents and without fail they go above and beyond to help Reviewed on: 4th April 2022

great company credit rebuilding

Easy and quick application. The Zopa app are easy to use. Reviewed on: 4th April 2022

Easy to set up and good communication

Very smooth set up and the app is very easy to use Reviewed on: 4th April 2022

Brilliant all rounder

The app is really easy to navigate, the borrowing power score is really useful and helps you to keep an eye on how you spend. Really helping to build my credit score! Reviewed on: 4th April 2022

Perfect 1st credit card

Great little credit card to build up your credit report. Reviewed on: 4th April 2022

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