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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 (44343)

My experience with Zopa has been efficiency.

My experience with Zopa has been efficiency. .Zopa has been very quick and efficient in dealing with me. Zopa has helped me in organising my finances well Reviewed on: 15th January 2025

cannot transfer balance to other cards.

cannot transfer balance to other cards at lower interest Reviewed on: 15th January 2025

No strings and straight forward.

No strings and straight forward. Easy to contact and quick response time . A good company with a straightforward and honest responses to any questions asked . Reviewed on: 15th January 2025

This is really friendly card to use in your daily li...

This is really friendly card to use in your daily life and enjoy your dreams Reviewed on: 15th January 2025

Great service, very easy to use via the App.

Great service, very easy to use via the App. Reviewed on: 15th January 2025

Great customer service.

Zopa have always provided great customer service and are a very responsible lender. On the rare occasion I have needed to contact them they provided excellent service and my query was explained and rectified quickly with little fuss. Reviewed on: 15th January 2025

Overall very good easy to use app clear communicatio...

Overall very good easy to use app clear communication nice company to do business with Reviewed on: 15th January 2025

Excellent card

Excellent Easy to use app. Quick and easy to repay different amounts. Reviewed on: 15th January 2025

Applying for card

Applying for card from start to finish was very easy . I did have 1 question but any confusion on my part was quickly cleared by customer services Reviewed on: 15th January 2025

Great company

My experience so far been great as zopa actually gave me the chance to give me a credit card. I was getting declined elsewhere so I’m very happy and now I’m building my credit rating. But after getting a credit card from zopa,it obviously left a positive impact on my credit report as I got another credit card elsewhere too! Reviewed on: 15th January 2025

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