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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)

The best and possibly cheapest

Don’t get an overdraft get a zopa credit card...just makes more sense!!! Reviewed on: 7th April 2021

No fuss credit card

A credit card with no fuss. Easy and quick to apply, with favourable interest rates. A great way to build your credit score without getting into debt. Reviewed on: 7th April 2021

Very good to credit

I always recommend people use this. Reviewed on: 7th April 2021

Easy to use and very handy app

Used for a few months to help build my credit rating, easy to keep track of monies. Reviewed on: 7th April 2021

All lovely

I am happy with all my experience Reviewed on: 7th April 2021

Amazing service amazing provider

Outstanding service , great user friendly app updates immediately with payments, available credit.fast and secure services wouldn't use anyone else Reviewed on: 7th April 2021

Yopa

Bang on great service needed help and they provided it Reviewed on: 7th April 2021

Good company

I've only had the card for 4 months now, I haven't had any problems with, would highly recommend to others Reviewed on: 7th April 2021

Excellent services

They provide good advice about my credit report - they are flexible with payments. The service is excellent- Reviewed on: 7th April 2021

Amazing

Zopa smart and easy to use. Great customers service. Reviewed on: 7th April 2021

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