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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)

great company

they really care about the customer Reviewed on: 26th January 2022

Best service ever

Best credit card that can help anyone to rebuild their credit. Excellent customer service and very friendly, respectful, polite and helpful staff. Reviewed on: 26th January 2022

Excellent

My experience with zopa is very great Reviewed on: 26th January 2022

Refreshing change

Great service backed up with great products- it really is a breath of fresh air. Reviewed on: 26th January 2022

Great simply fantastic!

Excellent app and customer service, would recommend! Reviewed on: 26th January 2022

Excellent service

Simple to use mobile app easy to apply for card and received quickly ,quick update when you use card of money spent Reviewed on: 26th January 2022

Finances simplified

Everything with zopa is strait forward, easy to use and understand. It’s also quick, like, if you pay money in it shows up strait away. You don’t have to wait a few days for you balance to catch up like other credit cards. Highly recommend zopa!! Very happy customer!! Reviewed on: 26th January 2022

Zopa Quality

I had only good experiences with Zopa Reviewed on: 26th January 2022

Credit-card ease

A nice credit option, and possibly relatively new on the market, not a fussy looking card, but thorough, disciplined and a fair kind, not necessarily kinder, because i don't know them all, but certainly worthy of a handsome credit. Reviewed on: 26th January 2022

Seamless Service

Zopa provided me with an opportunity to get back on track with my finances, representatives were on hand throughout to answer my questions. The application process was very smooth and the app is easy to use. Zopa are a 'credit' to the industry, thank you. Reviewed on: 26th January 2022

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