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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

Zopa

The best Zopa in uk 1111111111 nr one Reviewed on: 29th March 2022

Overall very good

Overall very good and quite easy but the payment system is a little clunky Reviewed on: 29th March 2022

Best money choice

The app makes life so easy to manage all your finances in one place no mater what you have loans credit cards savings and many more things. Easy payment system to pay everything you need to pay in one place. Reviewed on: 29th March 2022

Easy, quick and fair limit

The application process was very easy and straight forward. And so is using the credit card. The limit was also very fair. Reviewed on: 29th March 2022

Great Credit card for Credit building

Zopa is great for builing your credit, small limits mean you won't end up £100s in debt and the credit cushion is a fantastic feature!! Reviewed on: 29th March 2022

Brilliant

Great experience, help manage your money and gives great control Reviewed on: 29th March 2022

Honest in my words

Easy to apply for Simple to understand how it all work's Recommended already Reviewed on: 29th March 2022

Excellent

I've had my credit card with this company for many months and it's been great, the app is brilliant for paying your bill, all very straight forward Reviewed on: 29th March 2022

Good experience with Zopa card!

Excellent credit card! I couldn't have chosen a better one. Reviewed on: 29th March 2022

Great

Built up my credit score fast Great card Easy to set up online app Fab Reviewed on: 29th March 2022

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