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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)

Incredible

Realistic lending and manageable payment options, could not be happier with Zopa. Reviewed on: 29th March 2022

Amazing service

Zopa is the first credit card I got in the UK and everything with them is transparent and straightforward. They are supportive and let me the chance to improve my credit. Reviewed on: 29th March 2022

Zopa credit

Really easy to use and the app is very user friendly aswell great company. Reviewed on: 29th March 2022

First class bank

Very helpful, easy to use, customer service too class Reviewed on: 29th March 2022

absolutely brilliant

i am so happy with the service, everything has been simple and straight forward process and i love that i can save money in the pot to put towards things that i want. thank you zopa Reviewed on: 29th March 2022

Highly recommend. User friendly.

Having a Zopa Account has been very useful. Very good app and fast payments. Great customer service. Reviewed on: 29th March 2022

Zopa credit card

I found the application of the card easy and understandable. The receiving of the card was fast. Great app to use and the use of the card was easy from day 1 Reviewed on: 29th March 2022

Straight forward and simple

Signing up with Zopa was a very simple and straightforward process and the app is of excellent quality. Reviewed on: 29th March 2022

Very good

I can use every were in the world Reviewed on: 29th March 2022

Fantastic Service

I have been struggling with my credit rating for a while and jumped at the chance of applying for this. It was quick and easy to do, the card arrived quickly and the app is very easy to use. The alerts to advise what you have spent and what you have left are a great tool to keep an eye on your spending. Reviewed on: 29th March 2022

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