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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 Service

Gives you the right product for your needs. Understands its customers and doesn't pressurise into unaffordable services. Great. Reviewed on: 18th January 2023

A good friendly company

Great app with lots of links to assist build your credit Reviewed on: 18th January 2023

Excellent company

Customer service is outstanding Always someone you can talk to No hidden agendas App is so easy to use and lots of helpful advice on there too Highly recommended If your looking to build your credit this is the company you should take a look at...outstanding Reviewed on: 18th January 2023

very happy with the credit card

quick application, quick decision, low interest rate, I definitely recommend it Reviewed on: 18th January 2023

Excellent

Great experience very easy to apply and the app is very easy to use Reviewed on: 18th January 2023

Excellent experience

Zopa is an easy to use credit card. I've had my card for a while now and the whole process, from applying to using etc, was so simple and easy to do. The app let's me track what I've spent and my credit limit. I'd recommend to anyone needing a simple credit card Reviewed on: 18th January 2023

Brilliant

Approved for a credit card and feel my account is monitored as it should be for increases and other credit available. Never had a problem Reviewed on: 18th January 2023

Great credit builder

They are a great responsible lender. Taking time to deal with any customer service query and setting goodimiys while allowing you to monitor your credit score Reviewed on: 18th January 2023

Very easy to keep a track of your account

App very good and easy to follow. Reviewed on: 18th January 2023

Simple

A great card to build a credit history. The app is easy to navigate and stay informed. Reviewed on: 18th January 2023

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