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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)

User friendly, easy banking

I have never had any issues with Zopa. Easy approval process and user friendly online banking app. Reviewed on: 29th March 2022

Easy and helpful

Very helpful in the process of getting a card and the app is really easy to navigate Reviewed on: 29th March 2022

AMAZING!

It’s been an amazing experience and always ready to help Reviewed on: 29th March 2022

Modern and hustle free banking

Amazing brand and platform, only wish the card can be integrated onto payment apps e.g apple pay but free otherwise amazing! Reviewed on: 29th March 2022

Credit cards made wasy

Zopa have made my experience of my first credit card easy and simple to understand. The very useful app and notifications helps me keep on top of my spending Reviewed on: 29th March 2022

Brilliant

Absolutely brilliant credit card top customer service and very good apr rates! for people like me who’s credit isn’t great this is a fantastic card as they don’t give you a silly amount to spend so you can manage what your spending Reviewed on: 29th March 2022

Fabulous Zopa

Hassle free credit card which can be used anywhere on my travels thanks zopa. Reviewed on: 29th March 2022

Hassle free

Very easy to use the app have had noproblems with this company or card since using them highly recommend Reviewed on: 29th March 2022

Simply the Best

Always courteus are the employees whort there when I make a phone call to You . I would always say to people that Zopa are Simply the Best company You can ever wish to be with . Reviewed on: 29th March 2022

Best Credit Card

I was looking for a credit card that best suited me and Zopa were there for me, got all the information I needed from them before committing, Great company and help is there when needed, Reviewed on: 29th March 2022

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