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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44329 reviews)

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4.94

Based on 44,329 reviews, last reviewed 18th Apr 2026

44% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

4

Using since more than 6 months still i haven’t got e... Using since more than 6 months still i haven’t got extra credit limit i don’t know why while other cards are offering limit increase just zopa is not ... Read more Reviewed on: 18th April 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 (44329)

Great overall

Good to help build your credit. Reviewed on: 26th January 2022

Good bank

This is a good bank.I am just arrive uk 1 year,my credit score is very bad,but zopa still above credit card for me.Help me bill up my credit score. I think it should be world of the bank. Reviewed on: 26th January 2022

Great company

Zopa is my first credit card I’ve taken out as I’m still young, they were quick and efficient with my application and accepted straight away. Their app is very straightforward and allows you to make payments when you wish, view your pin, see transaction which I think makes it overall an easy and efficient experience to use Reviewed on: 26th January 2022

Was very helpful when I'm struggling fi

Helpful in stressed times and very quick when I needed money I recommend this to everyone Reviewed on: 26th January 2022

Easy

Negy quick abd easy ti use especially the app great compony Reviewed on: 26th January 2022

The best

The best for me… thank you very much for opportunity I have Reviewed on: 26th January 2022

Updated regularly and very easy to use

Although I don't use the card very often it is nice to have and very easy to use and understand Reviewed on: 26th January 2022

Superp

Even if you on IVA toy can get credit card, nice! Reviewed on: 26th January 2022

Very easy and accessible to use

Easy, quick and simple to understand and use, excellent! Reviewed on: 26th January 2022

Giving me a chance

I recently moved to the UK but with no credit it was impossible to get a card, Zopa gave me access to that and is allowing me to grow my profile Reviewed on: 26th January 2022

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