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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)

Easy sign up and great app

Easy sign up and great app low rates Reviewed on: 29th March 2022

Good but improvements needed

Really good credit card. My only gripes are the actions to improve credit score seem rather opaque. It says I can't increase credit limit because my credit is lower than other users.... but that is only because I can't increase my limit. The one recommendation where it leads you to reviewing your benefit entitlement doesn't go away and is irrelevant. So largely very good card but some improvements needed on scoring but also the app. Reviewed on: 29th March 2022

Excellent service

It's so easy to pay for my gas and electricity on time Reviewed on: 29th March 2022

Very professional service

With Zopa I was able to rebuild my credit score. Very easy and professional service. Reviewed on: 29th March 2022

Easy, quick, no fuss

Using zopa is so easy, you have all information readily available at every stage. The app is simple and updates really quickly. Have not had any problems whatsoever with zopa Reviewed on: 29th March 2022

All round good service

Easy to manage account always very informative Reviewed on: 29th March 2022

John latimer

Everything explained clearly,always professiona and friendly.I would recomend Zopa always Reviewed on: 29th March 2022

Credit building card

Always been very helpful and helping me with my needs. Reviewed on: 29th March 2022

All we need

Great, easy and efficient, all we need in this correct time of our life’s Reviewed on: 29th March 2022

Easy app and card.

Very clear, visible and easy for use. The settings are helpful. Reviewed on: 29th March 2022

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