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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

312800% 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)

Amazingly Simple Set Up

Greatly efficient service. No hidden terms and really easy set. Great work Reviewed on: 7th April 2021

Love the app!

Great easy to use app, love how it let's you know when you have spent and how much credit you have left. Reviewed on: 7th April 2021

The best credit card available

I feel that this is the best credit card because unlike the others when I make a payment it instantly is reflected in my account making funds available again most cards you have to wait 2 - 3 days . Reviewed on: 7th April 2021

My Zopa experience.

I have found that using Zopa is as simple as using any other card, while it also allows you to make your credit rating better which is the reason l went to Zopa in the first place. If you wish to have a credit card that doesn't hide a thing then apply for a Zopa credit card and build your life up to a better place...... Reviewed on: 7th April 2021

Simple, easy and as promised

I have only been using this product for a few months but so far it is so easy to set up and use. Reviewed on: 7th April 2021

It is so easy to use and keep track of and very responsible with the limit you can control !

Absolutely love how it informs you of spending and limits you can place for yourself within the app. Reviewed on: 7th April 2021

Excellent service

Works perfectly, money goes straight into the card once you repay it and excellent customer service Reviewed on: 7th April 2021

top marks .

very help full staff no problems understanding my needs . Reviewed on: 7th April 2021

Unfavourable outcome

I have a Zopa credit and have since been waiting for an increased limit but never have one. You cant request on the app either. Interestingly they operate like a bank. Reviewed on: 7th April 2021

Great card

Easy to use and easy app access to keep On top of your finances Reviewed on: 7th April 2021

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