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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)

Easy to apply and less paper work

Respond quickly and fast, update statements on time and app is not difficult to use Reviewed on: 23rd January 2023

Best starter card ever

The Zopa app and credit team are phenomenal. Fast transactions, understanding team. Brilliant. Reviewed on: 23rd January 2023

good

Great easy to use. loving the balance transfer facility Reviewed on: 23rd January 2023

Best card to build the credit

This is really good to build the credit and really good interring rates. Also all staff are really helpful Reviewed on: 23rd January 2023

Brilliant

Did me lots of help when I needed it Reviewed on: 23rd January 2023

Zopa Credit Card

Great card to have backed up with excellent customer service Reviewed on: 23rd January 2023

Credit card

Best credit card around good overall credit limits and easy payments Reviewed on: 23rd January 2023

They took a chance

Zopa took a chance on me as I have bad history, they have given me the opportunity to show I can manage a credit card and deal with my debts, for this I am very grateful. They give a nice small and manageable limit and don’t keep upping it after each payment helping me control my spend, I highly recommend them regardless of credit history if you are trying to make things right. Reviewed on: 23rd January 2023

Happy

Really happy with this card provider, the app is great to use to manage everything Reviewed on: 23rd January 2023

Decent card

Easy and convenient. Offers regular increases if you manage you account well and good customer service. Reviewed on: 23rd January 2023

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