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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)

Excellent for building credit rating

I was having trouble getting and credit as my credit rating was low, Zopa have been great from approval to constantly providing tips of how to improve. Reviewed on: 7th April 2021

Superb Starter Card

Fantastic breeze with letting you see how a lender can view you Reviewed on: 7th April 2021

Great credit card!

Great card and an easy to understand help for how to improve your credit score. Reviewed on: 7th April 2021

Best bank

Transparent bank, with friendly staff on hand whenever needed. Highly recommended. Reviewed on: 7th April 2021

Brilliant

So helpful and useful! Quick and easy set up and super quick card replacement and customer service! 100% would recommend to some how just need help with staying on top of everything!! :) Reviewed on: 7th April 2021

Great company to use

I'd definitely recommend this company as they have given me a credit card whilst still being on my path to make my credit score better! Hats off to them Reviewed on: 7th April 2021

Brilliant service

Easy to use, friendly customer services. Reviewed on: 7th April 2021

Fabulous

I love Zopa. The app is so easy to use, affordable credit limit, innovative, easy and efficient service! Reviewed on: 7th April 2021

Brilliant credit card

Great app and great credit card very handy and great to have Reviewed on: 7th April 2021

Easy to use

Easy to use and understand the app is so easy to use to Reviewed on: 7th April 2021

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