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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% 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

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Top Card

This card is an excellent choice for anyone, not just people with poor credit rating. You are kept up to date with all transactions and the app provides all the information you could require Reviewed on: 7th April 2021

Safe

Good safe account & easy to use Reviewed on: 7th April 2021

New kid on the block!!!

Zopa have lots if different offers to suit different budgets!! They also have Reviewed on: 7th April 2021

ITZOPATIME

Easy to use, helps you save, helps you understand your credit and helps you better your credit score. ZOPA gave me the chance to better my life. So for me every time is ZOPA time. Reviewed on: 7th April 2021

Quick, professional, simple

Fantastic service. Quick and simple to apply. Can access statements and account at anytime. Never had any issues with Zopa Reviewed on: 7th April 2021

Easy to use and app is good

Easy working app no problems at all Reviewed on: 7th April 2021

Wow what a card

Wow what a great card. Havent used it yet but my word.i can imagine the possibilities Reviewed on: 7th April 2021

Exceptional rates and service

Fantastic loan offers paid out in minutes,would highly recommend Reviewed on: 7th April 2021

Great service

Great app and service always keep on track Reviewed on: 7th April 2021

Simple convenient

I got zopa as a spare card. Very simple , payments easy and app is superb . Thanks Zopa Reviewed on: 7th April 2021

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