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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)

Great app to use

Good option to overpay on loan whilst reducing interest Reviewed on: 7th April 2021

Excellent

Excellent Give you a chance to build your credit rating up Reviewed on: 7th April 2021

Absolutely perfect for what I need

Every time I needed to pay for something it was so easy Reviewed on: 7th April 2021

Glad to have zopa

Really useful and great interest rates .glad to have zopa . Best credit card. Reviewed on: 7th April 2021

Forward thinking bank

The app works really well and is easy to use Reviewed on: 7th April 2021

Not used card as yet..no pin number

Awaiting for pin still................. Reviewed on: 7th April 2021

Good credit limit offered excellent card

Good credit limit offered excellent card Reviewed on: 7th April 2021

Credit made eaZy

I'm so pleased with the service Zopa provides through their extremely sleek & user-friendly app. Payment reminder alerts and built-in credit score tracking are my 2 favourite features. It's so handy to have all your credit factors at your disposal built right into your banking app, and has been tremendously helpful getting me back on track financially. Can't recommend highly enough! Reviewed on: 7th April 2021

Great service for my situation

Zopa acknowledged that my credit wasn’t great, but was improving. My current situation was more important rather than my previous mistakes Reviewed on: 7th April 2021

Easy to use service

Great app and functions. Easy to navigate round. Reviewed on: 7th April 2021

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