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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)

Great card helps.improve credit rating

No issues applied for card quick.eaay to set up direct debit and keeps up to date with alerts via email. Really impressed Reviewed on: 21st February 2023

Amazing

Zopa are by far the best credit company. They are understanding of their customers needs and always informative. Reviewed on: 21st February 2023

One of the Best Companies to Use

I was iffy about getting a credit card but knew I had to do something to build up my credit rating. After a little research and looking at reviews, I decided to try Zopa. From the very start, I've had the best experience and one of the best things about them is that they don't push you at all to up your credit or take out different products. Reviewed on: 21st February 2023

Easy to use system

I have had this card for a while I find it great and easy to use Reviewed on: 21st February 2023

Great app

Simple to set up, easy to manage. Good interest rates Reviewed on: 21st February 2023

Good app and insight

Really good options and customer service. User friendly app Reviewed on: 21st February 2023

great customer service and politeness is key

Called with a tech problem they sorted in 15mins they apologised. Great service. Also they keep me up to date with latest financial happenings re interest rates etc. I say well done team! Reviewed on: 21st February 2023

Excellent service and the App is so easy to use

Having done slot of app based banking this is definitely up there with the best. Reviewed on: 21st February 2023

Low rate interest

Best credit card to spend and without breaking the bank because its low interest rate. Reviewed on: 21st February 2023

Amazing company easy credit!

Never had an issue. Credit card approved and delivered in 5 days. Every time I had an issue, the customer service answered my questions promptly and solved any query. Been with Zopa for a few years now I can’t fault them. I’d recommend them to everyone! Reviewed on: 21st February 2023

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