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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

200% 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.

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Awards

Best credit card provider 2025

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

Zopa Credit card reviews (43506)

Very good their customers service are excellent and...

Very good their customers service are excellent and when you.call their response is excellent Reviewed on: 17th April 2025

Absolutely superb service.

Absolutely superb service. Try it, and loved it. No negatives at all!! Wish I had started using Zopa sooner. Would highly recommend to friends and family. easy and efficient and even my nan and grandad use it too now. Just brilliant.. Reviewed on: 17th April 2025

The only issue is it won’t work in certain shops Nis...

The only issue is it won’t work in certain shops Nisa local being one Reviewed on: 17th April 2025

Satisfied customer

I have used Zopa for more than a year now and I have enjoyed the service Reviewed on: 17th April 2025

good im happy with all of it and how i can you it wh...

good im happy with all of it and how i can you it when im short Reviewed on: 17th April 2025

Perfect for using whilst abroad

I have this card for holidays abroad, as there are no foreign exchange fees and you're able to choose the currency of the country that you're in. The way interest is calculated is great, as you avoid lump sum interest fees at the end of the month. Overall happy. Reviewed on: 17th April 2025

Great Experience

Great Experience, helpful advisors, more professional than some other credit card providers. Reviewed on: 17th April 2025

Always had positive views on Zopa and they keep an e...

Always had positive views on Zopa and they keep an eye on my account and let me know if anything goes arry Reviewed on: 17th April 2025

Great customer service and mobile app is a great use...

Great customer service and mobile app is a great user experience Reviewed on: 17th April 2025

Zopa card rating

Zopa is a good card but the downside is the high interest rate. Reviewed on: 17th April 2025

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