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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)

Really good service

Great service when needed. Would highly recommend Reviewed on: 21st February 2023

Friendly and Helpful

Zopa is a refreshing and useful card, the customer service is excellent and I would recommend them to people I know Reviewed on: 21st February 2023

Good choice good service

So easy to use and the app is really good Reviewed on: 21st February 2023

Easy to apply

Very easy to apply for and didn't take long to arrive Reviewed on: 21st February 2023

Great service

Really professional company. Have always been very clear and concise with information and a good product to build my credit rating. Reviewed on: 21st February 2023

Easy, stress free service

Fantastic service, great app and stress free! Reviewed on: 21st February 2023

Most reliable service provider

Zopa is one of the best lending company that provides you with suitable credit limit only for your circumstances. Thank you for accepting me as your customer. Reviewed on: 21st February 2023

Awesome credit card

Amazing card, quick to apply and easy to use :) Reviewed on: 21st February 2023

Great

No hassle from start to finish. Regular updates about my account. No silly emails. Just simple payments and easy access to my account online. Overall pleased with it all Reviewed on: 21st February 2023

Interest increases

I have had 5 interest rate increases in the past 12 months, 2 increases were 1 month apart. I have never been offered a credit limit increase and have had the card for 2 years +, leading me to take a new card from another provider who instantly gave me a credit limit 6 times larger than zopa, and also gave me a far lower interest rate. Reviewed on: 21st February 2023

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