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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)

Credit card review

I've found zopa to be great, their App is really easy to use and they don't just increase your limit willy nilly. Reviewed on: 20th February 2023

Ease of Use

Easy to apply and easy to manage via the app! Reviewed on: 20th February 2023

easy to use

haven't had any bad experience so far Reviewed on: 20th February 2023

Best service

Very good service and excellent customer service Reviewed on: 20th February 2023

Very good credit card for travelling

Absolutely love my ZOPA card! I travel abroad a lot for work and holiday so it's handy when paying for goods and services (without the worry of being stopped like my current account + no fees and charges!). Reviewed on: 20th February 2023

Transparent lending

Their app is very easy to use for multiple financial options (loans, savings etc) and they regularly review your borrowing ability too Reviewed on: 20th February 2023

5*

I’ve been with Zopa for about 2 yrs & never had any issues, customer service is 5*, friendly & understanding unlike a lot of other creditors. Highly recommend. Reviewed on: 20th February 2023

Zopa have helped me a lot with my credit card , just hope get a credit increase

Great credit card company well worth the try Reviewed on: 20th February 2023

Professional

It’s been a total professional experience so easy to use via the amazing Zopa app Reviewed on: 20th February 2023

Excellent

I love this no nonsense card! The App is easy to navigate. Making payments is easy. Overall very good! Reviewed on: 20th February 2023

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