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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)

Trusted

I've had a terrible life of been in debt not paying b8lls struggling. Always worked never taken drugs and hardly drink. So poor wages and living beyond my means is why!! I've now sorted my self out not in debt Reviewed on: 22nd January 2023

The application process was good and easy

Quick decision, easy to use and help full good customer care service. Reviewed on: 22nd January 2023

Credit Card universally for all

Respected credit provider who knows its customers and is a responsible lender. Reviewed on: 22nd January 2023

Interest rate high

The interest rate is high if you done pay off your balance Reviewed on: 22nd January 2023

Great especially if you have poor credit score

Quick and easy application process. I was given a small limit that is helping me manage my credit score etc and I have no problems with the provider :) Reviewed on: 22nd January 2023

A really good company

I have 2 loans and a credit card from this company. The banking app is great and easy to use . I'm really happy with zopa and the service they have provided. I have and would still 100% recommend them to anyone. Thanks for being you. Reviewed on: 22nd January 2023

Straightforward credit card

Good credit card. Pay off the balance and pay zero interest. Simples Reviewed on: 22nd January 2023

Nice card and never had a problem would recommend to anyone

Had this card for over a year and enjoyed using it. Reviewed on: 22nd January 2023

Great service

Easy application and fast delivery. Reviewed on: 22nd January 2023

Great friendly service

Refreshing to work with a company that puts the clients interests first Reviewed on: 22nd January 2023

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