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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40269 reviews)

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4.93

Based on 40,269 reviews, last reviewed 7th Jul 2025

45% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

No complaints Card easy to set up and get going east repayments Reviewed on: 7th July 2025

Latest lowest rating:

2

You are not fair,when we have a good credit score yo... You are not fair,when we have a good credit score you said is not enough,it's poor,very poor. Reviewed on: 25th April 2025

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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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Zopa Credit card reviews (40269)

Great card and app

Easy process to apply. Great app really lets you control your spending. You can set a buffer for emergencies, it alerts you every time you use it. A lot of thought has gone into this. APR perhaps a little high HOWEVER I have a bad credit rating so not surprised. Reviewed on: 15th February 2021

Very quick and easy to apply

Very easy to apply and my card was received within 2 days. The app is very easy to understand Reviewed on: 15th February 2021

Great Credit Building relationship

Took this credit out to build up my credit, it was hassle free to sign up too and comes with the app so can see what and where your spending. All in all a great little card. Reviewed on: 15th February 2021

Helpful and simple

I love this card it’s really easy to use and interest free Bravo Vova Reviewed on: 15th February 2021

Excellent

Great card very happy with it had it for a few months now straight forward to use Reviewed on: 15th February 2021

Just Great

Creates a lot of attention as Zopa is not yet a brand known by many. Love the look of the card, and only negative is no Apple Pay yet. Statement couldn’t be simpler. Interest is reasonable, although I pay my balance in full at the moment and hope continue to use the card to gain credit grace before paying and retain/build my good credit score. Borrowing Power is also a great tool through the simple, no nonsense app Reviewed on: 15th February 2021

Would recommend this card.

Easy application process without any hassle. The app is also designed to help you further with easy access to your account . You can pay your credit card and help your credit score at the same time Reviewed on: 15th February 2021

Great and supportive credit provider

This credit card for me a woman rebuilding her credit is a life saver. It has a great app and helps me keep track of my spending with many excellent resources aimed at helping me plan for a better credit score whilst utilising credit. I really appreciate this card Reviewed on: 15th February 2021

Easy access

Brilliant access to my account, very helpful customer service. Extremely easy to use accessible app also. Have recommended to friends and family already and would hesitate to do it again! Reviewed on: 15th February 2021

Opportunity card for all of us

Thank you for accepting my application. Credit affected by fraud and domestic abuse, you took a chance on me and we have both won. I’m one of the credit worthy applicants you’ll have so thanks for the chance to prove the fat cats wrong. Reviewed on: 15th February 2021

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