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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
See only 1 star reviews
0%

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
Gus Ibrahim's avatar
Gus Ibrahim

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
Thobekile Nkomo 's avatar
Thobekile Nkomo
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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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Zopa Credit card reviews (43503)

Credit card

5
Really good company I’ve been paying minimum amounts and reduced my debt really fast Reviewed on: 22nd January 2023
Marzena's avatar
Marzena

I love Zopa 1million percent!

5
If I pay off my card it’s reflected in my balance instantly. My other cards take days (business days) to show payments. The fees are low too and I love my card. Reviewed on: 22nd January 2023
Chanellelloyd's avatar
Chanellelloyd

Great credit builder

5
Can’t deny the card is a brilliant card for building credit. The app is super simple and easy to use with everything so clear. Never had an issue and found everything so simple . Easy to talk to staff too! Reviewed on: 22nd January 2023
David Mapes's avatar
David Mapes

Great

5
Easy to use. Very safe to use with multiple protection and good customer service. Reviewed on: 22nd January 2023
Alec Scott's avatar
Alec Scott

Decent credit card provider

4
Decent credit card provider with good controls Reviewed on: 22nd January 2023
JS99's avatar
JS99

Simple sign up and easy to use App.

5
I have nothing bad to say about Zopa. Very happy with my credit card. see at a glance on the app when your next payment is due and manage your account in a few clicks. Great!!! Reviewed on: 22nd January 2023
Bryn Taylor's avatar
Bryn Taylor

Excellent

5
Easy to apply and sensible lending Reviewed on: 22nd January 2023
Angela's avatar
Angela

Very easy to use

5
Love my card. Payments show instantly and very clear Reviewed on: 22nd January 2023
Paul Wright's avatar
Paul Wright

Absolutely fantastic service

5
Never had an issue , been right on ! Reviewed on: 22nd January 2023
Peter's avatar
Peter

Excellent

5
Excellent and easy to use! I highly recommend. Reviewed on: 22nd January 2023
Jacob Holz's avatar
Jacob Holz

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