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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)

VERY BEST INTREST AND GOOD TO USE THE CARD IS GOOD

VERY BEST INTREST AND GOOD USE THE CARD IS GOOD Reviewed on: 28th March 2022

Fabulous

Reasonable fees, excellent service. Reviewed on: 28th March 2022

Great first credit card :)

I chose Zopa for my first credit card a little while ago so that I could build my credit score. They’ve been absolutely great - really easy to set up in the first place and the app is super helpful for keeping track of spending and notifies you so you don’t accidentally miss payments. 10/10 experience so far and has helped me build my credit score :) Reviewed on: 28th March 2022

Excellent

Zopa does what it says. Absolutely no probs from start of easy application. Great card Reviewed on: 28th March 2022

God

Very good service no questions asked Reviewed on: 28th March 2022

Easy to use

Both the card and the app are easy to use. It’s easy to track spending and the app provides ways to help improve your credit. They seem to offer higher limits than other cards and you can see each month of your borrowing power has increased or not. My primary credit card I use and I have already recommended them to family and friends. Reviewed on: 28th March 2022

Zopa top card

Very comprehensive, competitive and customer-friendly card. Responsible lender. Quick and easy to set up. Reviewed on: 28th March 2022

Love zopa

Came in very handy when i needed it Brilliant Reviewed on: 28th March 2022

Hero

Best customer experience that I have had for a long time Reviewed on: 28th March 2022

Easy to Use, Great Bank

I joined Zopa in the hope to improve my credit history and have a decent credit card application; I was not disappointed as they've made having one an easy process and everything seems fair. Reviewed on: 28th March 2022

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