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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% 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

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th 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

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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 (43503)

Easy card to use and the app makes it very easy to make payments

I’ve had no issue with the company Reviewed on: 21st February 2023

Simple spending.....

I have had a Zopa credit card for a while now and with the help of their app, it could not be more simple!! It's a fantastic app and easy to see what you are spending. Also the opportunity to save, which is even better. Reviewed on: 21st February 2023

Zopa

Very good understanding company Reviewed on: 21st February 2023

Outstanding

Outstanding customer services nothing is ever to much. Reviewed on: 21st February 2023

Great experience

Really good experience with Zopa. Easy to use card and app, they are responsible lenders with good interest rates. Reviewed on: 21st February 2023

Quality service

Helps build your credit rating and has a fantastic customer service. Reviewed on: 21st February 2023

Easy to use and vey convenient

Easy to use, excepted in most stores, great for daily shopping or when you're a bit short. And the beauty of being able to pay it off earlier is a bonus. Reviewed on: 21st February 2023

East nice company

No problems, easy to use and interest rates low. App where you can pay and track your spending easily Reviewed on: 21st February 2023

A properly modern credit card

Zopa is miles and a way the best credit card I’ve had. Excellent app, great customer service, fair interest even for poor credit, far better than a lot of its competitors. And above all, and the reason for my title - is that the instant you pay, your payment is reflected in your account. So many big name cards still take 2 full working days to reflect card payments, which can cause so much bother. None of that with Zopa - quick (instant), easy and secure payments, a simple easy to use app, a credit score tool included so you can track your progress - I have and would absolutely recommend this card to friends and family over and above any other credit card. Reviewed on: 21st February 2023

Good service provider enjoyed being with zopa

Good service provider and enjoyed a lot being with zopa Reviewed on: 21st February 2023

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