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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 24th Mar 2026

156200% 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

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th 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)

Zopa keep it simple

I've used zopa for a few years. Personal loans, savings and now for a credit card. They keep the process simple and have always provided me with service when needed. Only room for improvement is their credit card lacks direct debit which I would prefer. Reviewed on: 16th January 2023

Sensible lenders

Only lend to what you can afford Reviewed on: 16th January 2023

Simple. Easy. Safe.

After a period where credit wasn't possible, Zopa have made it relatively easy for me to gain credit safely and start to rebuild my credit rating. The ability to also have a buffer that can be reserved for emergencies is also really useful, meaning that I stop using the credit card when it reaches my personal limit but still have a little bit extra I can dip into on rare occasions where I might need a little more. Reviewed on: 16th January 2023

Zopa is a very professional credit card company

I am very happy with Zopa. They are very easy to get hold of when you need to speak to someone regarding my credit card. Reviewed on: 16th January 2023

Superb credit card provider

Been with Zopa over a year now and they have been fantastic from start to date, zopa has my vote Reviewed on: 16th January 2023

Best company

You assist costumer good, thanks Reviewed on: 16th January 2023

Smooth process

From start to end the process was easy. When my card arrived I didn’t have to wait for the pin I could activate it on my app straight away. Reviewed on: 16th January 2023

helpful easy to follow

Zopa keep me on the right path.Nice to know they are there Reviewed on: 16th January 2023

Second to none

Nothin bad to say always great to deal with Reviewed on: 16th January 2023

The best card ever

It's the best opportunity to get my diary expenses solved and very easy to work out with the app .... I'm very happy Thank you so much zopa Reviewed on: 16th January 2023

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