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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)

Easy to set up and use

Easy to set up and use make payments and great communication from zopa Reviewed on: 29th March 2022

Surpportive and reasonable

I found that zopa supported me in a difficult finical time and doing so helped me and gave me a chance and a responsible amount APR to pay back. They kept me updated on everything and offered a support to help control financial advice highly recommended. Reviewed on: 29th March 2022

Very happy with this card

Always easy to use, very good app and very quick transfers Reviewed on: 29th March 2022

Easy affordable

The app makes the card easy to use and so quick if you want to make extra payments I love this card Reviewed on: 29th March 2022

Helpful, easy to use bank

Have never had any issues with Zopa. Approved for a credit card very quickly and user friendly app. Reviewed on: 29th March 2022

Perfect

Brilliant no issues, what can I say it does the job as it states Reviewed on: 29th March 2022

Excellent

Quick, considerate and helpful. I was amazed at the speed at which my application was granted. Reviewed on: 29th March 2022

Very pleased with Zopa never had problems

I would recommend Zopa 2 everyone nice customers services easy 2 use very happy Reviewed on: 29th March 2022

Easy and understanding

The app and layout makes this card one of the easiest I have. The customer service and brand are understanding - great rates too! Reviewed on: 29th March 2022

Very swift efficient service provider

Highly recommended and professional service provider Reviewed on: 29th March 2022

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