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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 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)

Brilliant trusting

I had bad credit but Zopa gave me a chance Reviewed on: 18th January 2023

Nice and secure services

Digitally and physically secured Reviewed on: 18th January 2023

Process was quick

Very helpful and quick decision Reviewed on: 18th January 2023

Great company hide nothing ! About time

Great finance company, who stop at no end to help and be as crystal clear with customers as possible Reviewed on: 18th January 2023

Ease to use

Witherspoon Zopa Credit card i don't have to wait two business Day for the Credit to enter my account after i make the payment. Reviewed on: 18th January 2023

On Zopa the World!

Very happy to be accepted for this card which I wanted to use in the main for balance transfers to help reduce interest rates on several other cards and the credit/balance transfers limits provided were just right. I would recommend this card to anyone looking to save a little interest whilst at the same time having another line of credit if needed. Reviewed on: 18th January 2023

Superb company

Great way to get your credit rating up. Got a small amount on my credit card which is affordable to me. Very happy Reviewed on: 18th January 2023

Fabulous

Excellent credit card and very helpful app. Reviewed on: 18th January 2023

Best credit card

We love Zopa, both me and my wife have a card, and a loan from them, no hassle low interest and easy to manage Reviewed on: 18th January 2023

Great, easy to use app

Simple set up and application process. App is straightforward and easy to use but has everything you need and want. Lots of good features. Reviewed on: 18th January 2023

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