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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

156350% 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

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th 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 (43506)

Fast at responding

Quite quick in accepting customers not like others making you wait Reviewed on: 29th March 2022

Easy straight forward!

I applied for my credit card with Zopa a little while ago and I must say it was the easiest and most straight forward application I’ve ever done! The app is brilliant and I can keep track of my spending! Thank you! Reviewed on: 29th March 2022

Excellent app, no fuss easy to use

Great experience, highly recommended Reviewed on: 29th March 2022

Good service

Application works well, good interface Reviewed on: 29th March 2022

Excellent Service

When applying and using Zopa, no problems as all and the service I've received is 1st Class Reviewed on: 29th March 2022

Best and most understanding credit company ever.

From the beginning, when I applied for a small and affordable line of credit, Zopa have been fair, understanding and accepting of my circumstances. By far the best and most helpful credit company I've ever dealt with. Reviewed on: 29th March 2022

Very good services

Nice option and great accessibilities. 10 /10 Reviewed on: 29th March 2022

Excellent company.

I had poor credit but for accepted by Zopa and it has helped me massively. I have since built my credit and I wouldn't use any body else. Reviewed on: 29th March 2022

Efficient, informative & easy!

Great credit card, amazing features, excellent app and advice on hand for every little detail Reviewed on: 29th March 2022

Easiest to understand, set up and get toing

Best I've had yet, really simple and very quick to set up and get going. Customer service so far fantastic too Reviewed on: 29th March 2022

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