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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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (43505)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Easy communication is great .

Easy and clear instructions.. great app and I’ve recommended it to friends Reviewed on: 22nd April 2025

It's all good so far.

It's all good so far. No real issues to complain about Reviewed on: 22nd April 2025

Zopa made it easy to stay in control

Not long after clearing an IVA I wanted to get my credit rating back to a good position. Zopa were the ones I'm happy I took a chance on. I've not heard about them before and after a little research I decided to take on a credit card. With their credit cushion and optional increases I feel in control of what I can use and borrow. Reviewed on: 22nd April 2025

Good customer experience with Zopa

I have good experience with the way Zopa handles customer queries. Prompt provision of funds.They make money available to you immediately. Reviewed on: 22nd April 2025

Credit card

No problems to report, I've been very happy with the card Reviewed on: 22nd April 2025

Amazing great product highly recommend

Amazing great product highly recommend Reviewed on: 22nd April 2025

Very happy with my credit card opened a bank account...

Very happy with my credit card opened a bank account with them now Reviewed on: 22nd April 2025

Easy to happyapply.

Easy to apply. There if you need help Reviewed on: 22nd April 2025

Excellent service and good company

Excellent service and good company Reviewed on: 22nd April 2025

Easy fast effective , great service good value

Easy fast effective , great service good value Reviewed on: 22nd April 2025

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