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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

Excellent customer service and support

Excellent customer service and support Reviewed on: 17th April 2025

Very good service would recommend

Very good service would recommend Reviewed on: 17th April 2025

I am very happy with Zopa, I use it mostly for daily...

I am very happy with Zopa, I use it mostly for daily expenses and overall the experience was very good Reviewed on: 17th April 2025

I've had a good experience so far.

I've had a good experience so far. Unfortunately I've not qualified for a loan which is disappointing as I thought I would have a better chance as I'm a customer. Reviewed on: 17th April 2025

supportive

Always helpful and supportive and can always help if you have a problem Reviewed on: 17th April 2025

5* from start to finish

From start to finish I felt valued as a customer. Customer service were exceptional. I couldn't ask for better. If this is the level of service they provide to their customers, then yes they deserve the status they have been given. Very well done. Reviewed on: 17th April 2025

Got Zopa to help build my credit score, which they’v...

Got Zopa to help build my credit score, which they’ve helped me with and gave me an increase on my credit limit each year after a review. I would and have recommended this company to family and friends. Reviewed on: 17th April 2025

Zopa a replaceable lender

Zopa have treated me very well I feel. They do not pressure you to accept a higher credit limit or take out a loan. Information is readily available and good customer service. Reviewed on: 17th April 2025

I just find it a really good card easy to use easy t...

I just find it a really good card easy to use easy to set up I’ve told friends and family about the card Reviewed on: 17th April 2025

Great card recommend to everyone

Great card recommend to everyone Reviewed on: 17th April 2025

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