Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43470 reviews)

View other Zopa products

4.94

Based on 43,470 reviews, last reviewed 12th Mar 2026

154650% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

That's very good and safe to use That's very good and safe to use Reviewed on: 12th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

Read all reviews See your review

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 (43470)

Review of the Zopa, Credit card:

Great company, great products!

Great company, great products! App is brilliant, everything is clear and simple. Super fast communication and applications dealt with and processed extremely fast. Love Zopa! Reviewed on: 1st March 2025

Good in all areas, easy and efficient

Good in all areas, easy and efficient Reviewed on: 6th March 2026

r w alexandra

good so fat and helpful staff . Good to talk to someone Reviewed on: 6th March 2026

Great customer service when there’s an issue, would...

Great customer service when there’s an issue, would prefer a phone service aswell thou. App could do better at reminding about payments due but overall a good credit provider. Reviewed on: 6th March 2026

I did find all the process easy and very clear,good...

I did find all the process easy and very clear,good communication and transparency. Reviewed on: 6th March 2026

Amazing card amazing customer service even if I hav...

Amazing card amazing customer service even if I have bad credit give me tha change to build my Gredit again thanks Reviewed on: 6th March 2026

I find using Zopa easy and safe.

I find using Zopa easy and safe. I am really happy with the service. Reviewed on: 6th March 2026

First Card I got accepted for after my IVA.

First Card I got accepted for after my IVA. Very happy with the product and interest rates. The app is great and helps you keep track of spending. They are also a responsible lender and only lend what they think you can manage. Reviewed on: 6th March 2026

Great service highly recommend to anyone with not th...

Great service highly recommend to anyone with not the best credit score all in all recommend highly. Reviewed on: 6th March 2026

Very efficient and informative give plenty of notice...

Very efficient and informative give plenty of notice as when to pay and how and extremely easy. Great offers as well Reviewed on: 6th March 2026

When you’re in a position where you have to pay for...

When you’re in a position where you have to pay for the unexpected Zopa were able to help. Reviewed on: 6th March 2026

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Chrome Card
from Vanquis 4.18 from 8 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Credit card
from PayPal 0.00 from 0 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1535 reviews
Current account
from Zopa 4.94 from 5944 reviews
Smart Saver
from Zopa 4.94 from 8041 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub