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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43327 reviews)

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4.94

Based on 43,327 reviews, last reviewed 8th Mar 2026

147950% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

A really good card to have, no problem with them, ve... A really good card to have, no problem with them, very good customer service, can pay what you can afford, a excellent first card to go with. Reviewed on: 8th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43327)

Great credit card

I took this credit card out as I needed to build my credit rating back up as it's not great. Fantastic and fast application service and received my card really quickly too. Accompanied by a super app that let's you do everything you need for your account and so easy to use. Reviewed on: 15th February 2021

Brilliant, very easy to use app

No hassle, easy to set up your account, and the app is very very easy Reviewed on: 15th February 2021

The Best Buy far

Happy with everything and would recommend zopa to my friends and family Reviewed on: 15th February 2021

Excellent Credit Card

easy to apply and easy to use Reviewed on: 15th February 2021

Absolutely fantastic

Amazing service.Thank you for the service you give and I know my limitations.Once again Amazing service Reviewed on: 15th February 2021

Great responsible lender

I got this card last year and I can honestly say that they are great at communicating and making sure you are financially safe they review your account monthly making sure you are within your limits cannot wait for them to become a bank as I will definitely join them Reviewed on: 15th February 2021

Keeps you informed of what you have spent

Every time you use your card it tells you so you will know if it has been stolen Reviewed on: 15th February 2021

Very Helpful

So far this Zopa credit card has really helped me at the very time of need. I am so greatful in addition it help to improve my credit history. Reviewed on: 15th February 2021

Great to build credit

Great for building your credit.. would highly recommend Reviewed on: 15th February 2021

Excellent Service You Can Use Anywhere

I have used Clearpay, Laybuys and Partially for years now, the only downside with those is that you cannot use them everywhere. Zopa gives you the freedom to spend safely and within your limits, but does not limit your choices. I feel secure using Zopa, it is simple to use and sign up and my only issue if I had one would be I wish I had found them sooner. A wonderful service which I would highly recommend. Reviewed on: 15th February 2021

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