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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

156350% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

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

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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 (43506)

GO GO ZOPA

Great service supported with a good Mobile APP and quick clearance of funds when making payments Reviewed on: 26th January 2022

Very good service

No hassle banking right here ..good rates and very flexible due to the pandemic and loss off work ( payment) Reviewed on: 26th January 2022

transparent and fair card services

Best card I ever had, transparent rules, friendly app, payments immediately credited Reviewed on: 26th January 2022

The most convenient and easiest credit card to use

Zopa has been very east to interact with and the whole process has been straight forward, from applying for a card to receiving and using. The online application is easy to manoeuvre and has made me a long time user. Reviewed on: 26th January 2022

Noncomplcated banking

Zopa is non intrusive banking. It's safe simple and trustworthy Reviewed on: 26th January 2022

Straight forward

Excellent service, with clear information and advice Reviewed on: 26th January 2022

Excellent product

Great service and good information Reviewed on: 26th January 2022

Simply easy

Good app easy to use and most of all fair Reviewed on: 26th January 2022

Excellent service

I have had a credit card with Zopa and I can say hand on heart Zopa are fantastic, customer service is excellent their % rates are reasonable and on par with other banks, and in some cases cheaper than other banks. I would recommend Zopa to everyone. Reviewed on: 26th January 2022

Simply the best

Was able monitor my spending & payments accordingly Reviewed on: 26th January 2022

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