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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% 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

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Easy to use, great customer service.

I applied for a credit card with zopa. They were fast to give me a decision and my card came within a few days. Great customer service, fantastic experience and I would 100 percent recommend to everyone. Thanks zopa. Reviewed on: 29th March 2022

Would recommend

Quick and easy application. Everything was so quick Reviewed on: 29th March 2022

Excellent

Brilliant service easy to use would definitely recommend this company to anybody Reviewed on: 29th March 2022

Pleasure to deal with

Easy to apply set up and use the app payments show up straight away. Reviewed on: 29th March 2022

Great customer experience

My customer experience is great with zopa. I like that you can keep track of your expenditure with notifications and that your statements are clear and you have control. Reviewed on: 29th March 2022

Super easy and fast!

I have had a great experience with Zopa I would recommend them x Reviewed on: 29th March 2022

Great site, card and over all usage!

Zopa offered me credit when no one else would and although a low limit, they are definitely recommended for everything they do! Thank you! Reviewed on: 29th March 2022

Gave me the opportunity to improve my credit.

Zopa is the first company to give me an opportunity to improve my credit. I am a medical professional however due to personal reasons I had to go into a trust deed 3 years ago. I am now in a much better position and Zopa is helping me build back my credit with a small monetary card which is easy to manage. Reviewed on: 29th March 2022

Nice service

Card arrived very quick. Nice and easy to do payments. Card can be attached to google pay. Reviewed on: 29th March 2022

Easy Use, Fast Set Up, Excepted Card

Great service, fast set up, all administered through an app, which is very easy to use and log spending etc, accepted everywhere, Reviewed on: 29th March 2022

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