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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)

Unique and exceptional service.

A proud holder of Zopa card. Service to customers is super. Reviewed on: 26th January 2022

Amazing

Gives people a chance to better their scores Reviewed on: 26th January 2022

Great service

Using zopa is easy, the customer services is great and responsive. Reviewed on: 26th January 2022

Love them

Excellent service. Had bad credit and couldn't find get a credit card. Zopa came through Reviewed on: 26th January 2022

Excellent Customer Service

Very simple and straightforward application. Zopa lends responsibly Reviewed on: 26th January 2022

Pain free and reasonable banking

Just an easy, pain free credit card with an actual reasonable APR which in this day and age is unheard of Especially when it comes to likes of people like me who are self employed and because of that don’t have the best of credit ratings and normally get stung with high APR cards. Reviewed on: 26th January 2022

Simple and easy

Simple and easy app to use and keep up to date with paymets and spending Reviewed on: 26th January 2022

Good credit builder

Great credit builder and app, lots of useful tips to keep on the right road to creditworthyness Reviewed on: 26th January 2022

Great help

Very easy to understand A helpful BANK!!!!!!! Reviewed on: 26th January 2022

Zopa banking

I love how easy the app is to use and how good they are at helping when needed I've recommended zopa to my sisters and they both love it Reviewed on: 26th January 2022

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