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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Paddy Henny's avatar
Paddy Henny

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
Sener Erman's avatar
Sener Erman
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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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Zopa Credit card reviews (43505)

Modern edge credit card

5
The app is fantastic, live updates with transactions, great interface, reasonable credit limits, glad I chose ZOPA Reviewed on: 28th March 2022
Michael Lockwood's avatar
Michael Lockwood

Nice bank

5
I like it Reviewed on: 28th March 2022
Adam Kubiak's avatar
Adam Kubiak

Excellent

5
Professional and helpful services Reviewed on: 28th March 2022
Atinuke's avatar
Atinuke

Ideal credit-building card

4
This card has been hassle free and assisted in building my credit score after the difficulty of relocating to a new country during the pandemic. Great customer service and user friendly app. Reviewed on: 28th March 2022
Jeff's avatar
Jeff

A greatnexperienfe & support using credit card

4
My experience is nothing but 100% positive. Everything is clear to read and understand. The appn is easy peasy to use. Zopa encourages you to be kore aware of your spending, listing what you have spent and where. i particularly like you can pay the minimum or you can pay as kuch as you like over and above it. All charges are clear there are bo sneaky pete ones hiding elsewhere. Huge thumbs up from me. Also should you need to phone a customer advisor they are helpful, knowledgable and patient. Reviewed on: 28th March 2022
Lynne Carruthers's avatar
Lynne Carruthers

Excellent

5
Great and easy application and great service Reviewed on: 28th March 2022
Kevin Baney's avatar
Kevin Baney

Great service

5
I had bad credit now its building to a better score. Reviewed on: 28th March 2022
Liam Greensmith 's avatar
Liam Greensmith

Wish all companies where this good

5
Brill, love how easy the app is, I love how payments and repayments are so easy! Easy to keep track and everything up today! Defo recommend Reviewed on: 28th March 2022
Hayley's avatar
Hayley

Simple

4
Ready easy and simple to use app. So far seems pretty upfront with everything i.e costs etc Reviewed on: 28th March 2022
connor dodgson's avatar
connor dodgson

Quick and easy

5
Decided to apply with Zopa for a loan, the application was incredibly easy and the funds were in my bank account within an hour! Reviewed on: 28th March 2022
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