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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)

Super easy

Zopa was really easy to apply for I had a decision in minutes and card came really fast. The app is so easy to use let's me know how much I have spent and what I have left and when I need to pay by. Paying the card is really easy you can set up automatic payment dates or pay instantly through app. Really simple and been a great start for building my credit score. Would really recommend to friends and family. Reviewed on: 29th March 2022

Great card!

Since I've had my zopa card,I've nothing but good words to say...so easy to use and the online part so easy to go through. Reviewed on: 29th March 2022

Easy

Very easy process quick delivery and a good app easy to use. Reviewed on: 29th March 2022

Amazing

Zopa has been really helpful, I can finally control my finances Reviewed on: 29th March 2022

Brilliant service, very easy to navigate.

Brilliant people. Always on hand to help. Always there when needed. Reviewed on: 29th March 2022

Easy credit card

Took the credit card to help build my credit rating. Started on a manageable amount and the app is really easy to use. Reviewed on: 29th March 2022

Excellent service from day 1

Not been with you for long but from start to finish off when I was first approved to now making payments with my card has been an absolute breeze. I would definitely highly recommend you guys and thanks for a great service right now Reviewed on: 29th March 2022

Best new challenger bank

Excellent customer services reliable efficient competitive services sound financial acumen Reviewed on: 29th March 2022

Great credit card

Lovely easy app. Great company so far. Reviewed on: 29th March 2022

Good experience

Really easy application and great service I highly recommend Zopa. Reviewed on: 29th March 2022

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