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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)

Hyperfast and futureproof!

Well from application (which was so simple) to setting up the app Zopa is just fantastic! I can keep control of my spending, payments and I get little notifications about my new credit amount! It’s just fantastic! Everyday use and so convenient. Thanks Zopa! Reviewed on: 7th April 2021

Fantastic Service

I spoke with genuine, friendly professional staff who were empathetic and helpful Reviewed on: 7th April 2021

Great and easy service

Never had a issue so easy and user friendly Reviewed on: 7th April 2021

Future in Banking

This is probably the easiest and most professional way of banking . No issues with initial applications , keep you well updated and offers are constantly updated meeting the needs of everyone . Definitely number one bank for me above all high street banks services previously used. Reviewed on: 7th April 2021

Highly recommend Zopa

Very trusted Zopa very quick set up. Great customer service Reviewed on: 7th April 2021

Fabulous financing

Zopa have been great. The app is simple and easy to use, helping me keep on top of my borrowing. Plus with reminders of when a payments due it's one less thing to remember. Reviewed on: 7th April 2021

Livin La Vida Zopa

Great company plus very quick and easy to set up account and get going. Has been my go to card for spreading purchase repayments for the last several months and can only feedback a positive experience. Reliable and fast payment times both out and back in onto card plus it has a really simple and intuitive app. 5* and will continue to be my go to card . Thanks Zopa. Reviewed on: 7th April 2021

The best customer experience

Everything about Zopa is clear, easy and a fantastic customer journey. I have had many different credit cards over the years but Zopa is by far the best to deal with. Reviewed on: 7th April 2021

Best Credit Card Provider

Zopa is the best credit card provider that I have ever used. There are no hidden charges and their app is so simple to use.I would recommend anyone to get this card. Reviewed on: 7th April 2021

Very strong, be improved with higher initial credit limit

Very good, quick easy payment plan. Once paid credit instantly available again, no pending payments which is good. Be better with a higher initial limit. Instant notifications when spending happens helps keep track and avoids fraud Reviewed on: 7th April 2021

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