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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:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Zopa card was very effective and easy to use it time...

Zopa card was very effective and easy to use it times of need Reviewed on: 19th April 2025

All rounder

Very good all rounder, payment plan very realistic Reviewed on: 19th April 2025

Experience has been great.

Experience has been great. Solid customer service and care support is available Reviewed on: 18th April 2025

Great card!.

Fast sign up and updates are great too! Will be using this card for many years to come. Reviewed on: 18th April 2025

Zopa helped me when I needed it.

Zopa helped me when I needed it. Helped me understand my situation and guided me to take control Reviewed on: 18th April 2025

So Far So Good

Easy to apply for. Interest rate quite high,but not as high as some. credit score plumeted,due to circumstances out of my control,shadow limited choice. Use it responsibly and you could avoid too much interest & will help improve credit score Reviewed on: 18th April 2025

App very easy to use.

App very easy to use. Options available to manage credit score. Reviewed on: 18th April 2025

Problem with a scam

I had a scam with an item I bought on line they looked in to it I didn't receive the goods they sorted it Reviewed on: 18th April 2025

Fraudulent Activity

My account was used in the USA to pay fraudulently for things and I contacted ZOPA and they solved the problem and sent me a new card Reviewed on: 18th April 2025

Vince zopa Experience

Excellent customer service always there to help Reviewed on: 18th April 2025

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