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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

300% 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.

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43506)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Good card for credit and easy access

Good card for credit and easy access Reviewed on: 22nd April 2025

Great card for people with bad credit or trying to b...

Great card for people with bad credit or trying to build a credit score I'd recommend Reviewed on: 22nd April 2025

The Zopa experience

Easy to contact sales staff excellent to talk to Reviewed on: 22nd April 2025

Easy apply,good customer service

Easy apply,good customer service Reviewed on: 22nd April 2025

Perfect for building credit

I was out of the UK for over 15 years and upon my return I was literally unknown in the UK when it came to obtaining even the smallest type of credit, such as a mobile phone contract. Zopa offered a credit card with a low credit limit designed for people just like me. By using the card regularly and paying off the balance in full every month my credit rating started to increase, which allows me better access to the UK credit market (mortgage, loans etc). Zopa also increased the credit limit on my credit card, which is also very handy. I would fully recommend using Zopa to anyone looking to build their credit score. Reviewed on: 22nd April 2025

Has help with credit ratings when no one else would

Has help with credit ratings when no one else would Reviewed on: 22nd April 2025

I have never had problems with Zopa at all.

I have never had problems with Zopa at all. I would recommend it to any one Reviewed on: 22nd April 2025

Well they are the best when I apply for the card I w...

Well they are the best when I apply for the card I was only trying to see if I can get and a within the minute they said yes to me when I really need money for something so far so much Reviewed on: 22nd April 2025

Outstanding service

So far it’s been an outstanding experience banking with Zopa Reviewed on: 22nd April 2025

Excellent throughout

Excellent throughout my time with zopa Reviewed on: 22nd April 2025

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