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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)

Bad card.

I was recently informed that three hard pulls were made on my credit report, but I was not approved for the card. This is unacceptable and has caused unnecessary stress and damage to my credit score. I hope that you will take this matter seriously and improve your approval process in the future. Reviewed on: 10th February 2023

Very satisfied

They have improved my credit limit without even requesting it Reviewed on: 8th February 2023

Fantastic credit card

Easy application, high approval rates even for those with poorer credit history and great app to make life easier! Reviewed on: 7th February 2023

Ive had this card it is gud for emergencys but i fell behind in payments due to covid and waant able to work

I would love to win this cause i have a card and fell behind in payments due to covid and iwinning i wouldpay of wat i owe Reviewed on: 7th February 2023

Top Class Company

It was a really good company and it was easy to get signed on to my credit card Reviewed on: 7th February 2023

Zopa credit card

I would highly recommend this credit card for friends and family members Reviewed on: 6th February 2023

Excellent service

Zopa has given me a chance to have a credit card despite my bad credit history. Reviewed on: 6th February 2023

Great card great service!

Easy convenient and fuss free. The app is easy to use and good to keep up with balances. Reviewed on: 6th February 2023

excellent

very helpful, accommodating and highly recommended Reviewed on: 5th February 2023

Makes everything easy

Easy to use app, simple to use payment system, 10/10 Reviewed on: 3rd February 2023

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