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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)

Balancing my credit

This app and credit card has helped me keep my finances on track. Reviewed on: 29th March 2022

Excellent Service

This card has helped friends and I boost our credit score. Starting out as a young adult can be hard to boost your credit score, but Zopa has provided my friends and I with the chance unlike other providers. After opening our account with Zopa, in just a few short months our credit scores have boosted dramatically and it is continuing to grow! Thank you Zopa for giving young adults the chance to prove themselves! Reviewed on: 29th March 2022

Absolutely Great!

It was quick and easy to apply for my Zopa credit card, I didn’t have a great credit score and I wasn’t sure I’d get the chance to build up my score until Zopa accepted my application, it’s given me hope . Reviewed on: 29th March 2022

Reward by simplicity - the easy to use Zopa app

As a relatively new customer I was impressed by the fast and friendly service credit services offered by Zopa. With it's easy to use app keeping track of outgoings and a very fair payments plan is a doddle. Zopa stands out among other credit agencies for its relaxed and amicable approach to money lending. So handy for those unforseen little financial emergencies that crop up from time to time. Reviewed on: 29th March 2022

I think zopa is overall a good credit card company. I'm really happy with there service.

I would recommend my friends and family for a zopa account as they are good. Reviewed on: 29th March 2022

Sensible, simple, smart

Very straightforward to use and the card/app was very accommodating and easy to set up. Very nice aesthetic too!! Reviewed on: 29th March 2022

Amazing credit card company

I really enjoy being with Zopa, I feel they are very friendly and helpful team. That also have you at interest the most over making money. I feel valued as a customer. Reviewed on: 29th March 2022

Best card

Was easy to join my friend recommended it to me and I am delighted with this service Reviewed on: 29th March 2022

Excellent

I will recommend to anyone as is great and friendly service Reviewed on: 29th March 2022

Best card ever

I love the fact that even though I had bad credit, I was able to apply for a credit card with Zopa & get it. It comes in really handy in such difficult times. Reviewed on: 29th March 2022

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