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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)

Responsible lender

V happy with service, start to finish, customer service and responsibility of lending. App is excellent. No complaints. Well done Zopa Reviewed on: 20th January 2023

Helps me

Help me build my credit score, easy to use application Reviewed on: 20th January 2023

Bad experience be aware who you dealing with

Never increased the credit limit from 300gbp it’s been more then a year and I have very good credit score although they asked for a loan which was pre-approved but they just didn’t lend me and couldn’t give me any satisfactory answer they said their system errors if I want I can reapply so they will do another hard credit search which not good for my credit score also I can’t apply anywhere else as I already had a hard credit search whether I got my loan or not it damaged my score . Reviewed on: 20th January 2023

Very simple you spend you pay

Sometimes when you try contactless it doesn't work and you have to go to pin . Disappointed that after being with them a year and clearing my balance in full every month by direct debit they won't increase my credit limit I find that frustrating Reviewed on: 20th January 2023

App is so easy to understand and use

Fantastic app very easy to manage payments and keep track of your account Reviewed on: 20th January 2023

Great product

I'm very happy with the card. The application process was very easy and efficient. Recommended. Reviewed on: 20th January 2023

Zopa credit card

Brilliant service, it was so asy to do and the service I received as first class. Would highly recommend. Reviewed on: 20th January 2023

Mega card

Great card to use just tap and go very easy and quick I use mine alot Reviewed on: 20th January 2023

Easy access

Really easy access on app, great credit card and savings account Reviewed on: 20th January 2023

Credit Card

Easy to use and make payments, contact is easy and clear from company, repayments and interest are good. Reviewed on: 20th January 2023

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