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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)

Not just credit score

As a very credit worthy individual , who had his identity hijacked. Zopa saw me as individual rather than a credit score. Reviewed on: 26th January 2022

Best service ever

I have nothing but praises for Zopa. Zopa credit card is the best for anyone who wants to build their credit. With good and excellent customer service. Reviewed on: 26th January 2022

Easy to use app

Love the fact it’s all done on an app. Very easy to use, great communication and would definitely recommend Reviewed on: 26th January 2022

Great service

Helped me get back on track great way to build credit rating love Zopa Reviewed on: 26th January 2022

User friendly, clear and concise.

Zoila we’re more than helpful to support and enhance my credit score, the service was clear and concise as well as very helpful to understand my requirements that suit my financial needs. Reviewed on: 26th January 2022

Super duper

Zopa is awesome, easy to use app, great communication. Reviewed on: 26th January 2022

Online banking

It’s very straight forward and easy to use - clear dates and easy to read Reviewed on: 26th January 2022

Great for credit building.

Easy to apply for and have never had a problem with it. Reviewed on: 26th January 2022

Great credit card

One of the biggest benefits for me is that payments reflect instantly whether I pay from the app or via my bank. Easy to use app. Reviewed on: 26th January 2022

superb

brilliant app easy to use and clear messages Reviewed on: 26th January 2022

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