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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44347)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Being using the card for quite some time and don’t g...

Being using the card for quite some time and don’t get charged like conversion rate etc Reviewed on: 15th January 2025

I have found with zupa great customer service and wh...

I have found with zupa great customer service and what they offer suits my needs I wouldn't hesitate to recommend them to everyone Reviewed on: 15th January 2025

Great Product and Great service - highly recommend

Very easy application, they quickly dealt with a unauthorised payment, easy account management app. Good customer service Reviewed on: 15th January 2025

Quick easy efficient service.

Quick easy efficient service. Customer service excellent. Manageable Reviewed on: 15th January 2025

excellent service very friendly very good service

excellent service very friendly very good service Reviewed on: 15th January 2025

Self esteem

I had a very mediocre to poor credit score when Zopa accepted me. I was just coming out of the other dude of pretty awful time both personally and financially ; not my doing. As simple as this sounds it helped me regain some self esteem and allowed me to move on again. For want of better words I believed they ‘trusted’ me and they’ve been very straightforward to deal with since. Obviously this has also helped improve my credit rating too. Thank you. Reviewed on: 15th January 2025

Money lending made simpe, go with Zopa!

Efficient, polite, easy, just an overall easy process and experience. The whole process was made simple. The customer service was excellent. Very friendly staff and very help with the setting up of my account Reviewed on: 15th January 2025

It was a wonderful experience so far

It was a wonderful experience so far Reviewed on: 15th January 2025

It was easy to apply and easy to set up

It was easy to apply and easy to set up Reviewed on: 15th January 2025

I applied for a card and was quickly approved.

I applied for a card and was quickly approved. My initial credit limit was low but after just a few months my limit was reviewed and extended to better suit my needs. Reviewed on: 15th January 2025

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