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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

The app is so easy to use, it’s user friendly and there customer service is very efficient. Reviewed on: 29th March 2022

Great service

Great online communication and service Reviewed on: 29th March 2022

Affordable credit

Zopa is great to build up your credit score and as a helping hand in time of need. Reviewed on: 29th March 2022

Excellent service Easy to use apps

I love my Zopa fantastic service and good credit limit, I would recommend to friends and family Reviewed on: 29th March 2022

Overall very happy with Zopa

Very easy application process, great app and payments appear straight away in your account unlike others that take days to update. Overall very happy. Reviewed on: 29th March 2022

A Friendly Bank

I appreciate the help that Zopa have given me over the period I have been with them. Thy are obliging and always axxious to assist with any problems I may have Reviewed on: 29th March 2022

Simple and easy

Simple, easy and fast. Would recommend this service to anyone. Reviewed on: 29th March 2022

Good credit builder

Decent user platform. Good signposting to money saving deals. Clear statements. Reviewed on: 29th March 2022

perfect

brilliant app, very easy to use, no problems whatsoever. payments appear instantly Reviewed on: 29th March 2022

EXCELLENT SERVICE

Very satisfactory, easy to use and secure. Reviewed on: 29th March 2022

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