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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.

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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)

Friendly customer care, efficient.

Friendly customer care, efficient. Reviewed on: 17th April 2025

Excellent services

Pleasant people to talk with know what they’re doing excellent Reviewed on: 17th April 2025

Never had any issues to deal with very user friendly...

Never had any issues to deal with very user friendly app Reviewed on: 17th April 2025

Zopa is the right card for me.

Zopa is just the credit for every day use like paying for petrol last minute groceries. Reviewed on: 17th April 2025

Easy to access and the app is very user friendly...

Easy to access and the app is very user friendly Reviewed on: 17th April 2025

I highly recommend Zopa.

I have been using Zopa for many years now and can honestly say that i have never had a single problem, the app works perfectly and is very easy to navigate meaning you can keep an eye on your spending and when you're payments are due, i highly recommend Zopa to anyone. Reviewed on: 17th April 2025

Easy to Use & Perfect for Building Credit

Zopa has been a great experience from the start. The app is easy to navigate, payments are simple to manage, and I receive timely reminders that help me stay on track. I appreciate the clear breakdown of my spending and the real-time updates. It’s also been helpful for building my credit score gradually, with transparent terms and no hidden fees. I would definitely recommend Zopa to anyone looking for a reliable credit card with a smooth digital experience. Reviewed on: 17th April 2025

Have only had an account for a couple of months so h...

Have only had an account for a couple of months so haven’t really had any problems a good service though Reviewed on: 17th April 2025

Easy to use great card would definitely recommend

Easy to use great card would definitely recommend Reviewed on: 17th April 2025

Online app makes everything very easy with lots of a...

Online app makes everything very easy with lots of additional tools available Reviewed on: 17th April 2025

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