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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)

Brilliant service

I use this credit without any hassle and get help from the customer service team whenever needed very happy with service I get from the Zopa team Reviewed on: 20th February 2023

Fast easy and great service

Love this card! Great rates and easy to use! Reviewed on: 20th February 2023

Credit card

These are a very good company let's u no what's happening by email always in touch Reviewed on: 20th February 2023

great all round service

good communication great card easy to understand and use app Reviewed on: 19th February 2023

Absolutely amazing customer service

I received first class advice and they was very friendy and helpful. Any questions or queries were responded to straight away. I would definitely recommend to anyone, they are more than happy to just advise without putting on the pressure of buying or signing up to anything. Reviewed on: 19th February 2023

The best for credit cards

Easy to Use app and the best rates. Reviewed on: 19th February 2023

Good company

Awesome company, great customer service Reviewed on: 18th February 2023

Reliable, easy-to-use credit card

After a terrible experience with my bank's credit card, where you could barely do anything with it without calling and waiting in a phone queue, I signed up for the Zopa credit card, not really knowing what to expect. I've been pleasantly surprised — you can do everything in the app, which updates almost instantly after the card is used, making it easy to keep track of your balance. Apparently Zopa will tell me when I'm eligible for a credit limit increase, too, rather than waiting until I ask for one and potentially put a hard search on my credit record. (I haven't seen this happen yet, but I've only had the card a few months.) Google Pay works well, too. Reviewed on: 18th February 2023

Simple seamless experience,

Application process is straightforward and quick, App is easy to understand and navigate payment methods simple and easy. I feel more in control of the Card and my finances as a result. Reviewed on: 17th February 2023

A* company

Great customer service easy and excellent app 100% recommend Reviewed on: 16th February 2023

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