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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)

Easy to apply

So easy to apply done in a couple of minutes. And a decision straight away. You can see exactly what you have spent and where you have spent it. Reviewed on: 7th April 2021

Perfect

Easy process from start to finish. The app is also very user friendly. I couldn’t praise them more if I tried. Thank you Zopa Reviewed on: 7th April 2021

Quick and easy to use

Zopa is a quick and easy credit card with a great app that keeps you updated really well Reviewed on: 7th April 2021

Great service

Card arrived very quick. Like the overall service.. Reviewed on: 7th April 2021

Great Card My Favourite

Great card my personal favourite - instant receipts-instant updates to your balance when you make a payments...it’s those small things that make it “Stand Out” from the others.. Reviewed on: 7th April 2021

Love Zopa

Zopa have given me a chance and an opportunity to build my credit, they are forward thinking and fair. They do what they say they will and listen when you need them! Reviewed on: 7th April 2021

Good service

Reasonable rate ................... Reviewed on: 7th April 2021

Easy and reliable

Love this bank so reliable and easy you know exactly where you are with it Reviewed on: 7th April 2021

Such a great credit card with easy to use and guide on the online app

5stars from me such a good credit card and easy to use online banking Reviewed on: 7th April 2021

Apsoflogginglutely fabulous

Fantastic card and company very easy to understand and use it’s a yes Reviewed on: 7th April 2021

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