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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

312800% 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

Understanding Customer Services

I had an issue with the online payment portal and incurred late charges ..I called customer services and explained the issue and they immediately refunded the charges. Reviewed on: 17th April 2025

I never face any issue while using Zopa credit card.

I never face any issue while using Zopa credit card. Reviewed on: 17th April 2025

excellent app

app works well, I don't have much to say. everything works well. Thanks Reviewed on: 17th April 2025

Good and helpful

Very good.. excellent terms. And so easy to access. Reviewed on: 17th April 2025

Best credit card around

From applying to receiving card it was a simple process with an app that is very easy to use Reviewed on: 17th April 2025

Great overall experience

Great customer service experience, quick turnaround time from card application to delivery at door step and very helpful customer friendly all in one mobile app. No regrets at all Reviewed on: 17th April 2025

Great understanding customer care, Great help in...

Great understanding customer care, Great help in obtaining a good credit Reviewed on: 17th April 2025

Money wise

The online app. Is extremely easy to navigate, so you know exactly where your upto. Notifications are brilliant. I Can't fault the help and services provided. Reviewed on: 17th April 2025

I have been very please with my experience with ZOPA...

I have been very please with my experience with ZOPA with their easy to use app that not only helps me track my credit but also gives me personalised offers for loans and also helps me link my personal bank bank/credit card accounts for easier access. Reviewed on: 17th April 2025

Of the six credit cards I’ve had Zopa has been...

Of the six credit cards I’ve had Zopa has been the best Reviewed on: 17th April 2025

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