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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% 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

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 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 (43504)

Straight forward

Easy to use and straight forward management of finances. Reviewed on: 26th January 2022

Does what it says on the the tin

Very easy and straight forward to use and apply. Reviewed on: 26th January 2022

Very good

Keep you updated, app is great. Don't randomly increase credit. Reviewed on: 26th January 2022

Very good credit card with low cost.

At this moment the best credit card Reviewed on: 26th January 2022

Wow!!!

Zopa are easy to deal with.Since having my credit card,I've never had any problems They keep you up to dare at all times. Reviewed on: 26th January 2022

Fantastic

Great help, everything is so clear on the app easy to use Reviewed on: 26th January 2022

Hope when I had none

I have really low credit rating, zopa gave me a credit card with a low limit. I kept on top of my payments. It has really help my rating and now they have increased my limit. Reviewed on: 26th January 2022

Easy to use and understand

Easy to understand and great help on building credit would recommend Reviewed on: 26th January 2022

Great online app

Zopa are easy to use, straight forward no hidden charges, easy to use app Reviewed on: 26th January 2022

Top marks

No hassle and when u pay ur balance shows up instantly unlike other cards on the market Reviewed on: 26th January 2022

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