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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

200% 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)

zopa credit card is the best in the uk.

very easy to use with little interest. Reviewed on: 26th January 2022

Simple to use, excellent service

Simple to use, excellent service, easy App. So nice to be given a chance Reviewed on: 26th January 2022

Customer focus

Their services are aimed solely at customer satisfaction. 5 star for me Reviewed on: 26th January 2022

Amazing

Great customer service, kept informed about my application even when requesting further information. Highly recommended. Reviewed on: 26th January 2022

Excellent and so easy to use.

Only company to trust me. Very easy to make payments reasonable interest rates. Reviewed on: 26th January 2022

Easy to use. They explain everything.

It’s helped with my credit score and provided me with a safety net for emergencies. It’s easy to then pay off. Reviewed on: 26th January 2022

Fantastic credit card

Great company with friendly helpful staff Reviewed on: 26th January 2022

Very easy

I find the Zopa credit card so easy to use and pay any funds I need to onto it. Zopa is the only card I know that funds are available instantly not having to wait up to 5 days. Reviewed on: 26th January 2022

Exellant

Everything you need from a card..easy to use and understand app, brilliant service Reviewed on: 26th January 2022

Really brilliant with service

It's great that no fees are added for going over limit. Sometimes it's hard to work out interest and charges but not with zopa it's brilliant Reviewed on: 26th January 2022

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