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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)

Easy peasy

So easy and quick all online great app too Reviewed on: 16th January 2023

Zopa credit card

So easy to used and helpful in great time of need and saving. Reviewed on: 16th January 2023

Best credit card ever

I am very pleased with the service Zopa provide Reviewed on: 16th January 2023

Simple

Simple, effective and on the money! Reviewed on: 16th January 2023

Amazing

Keeps you updated when spending, easy to get in touch with and sort any problems. Reviewed on: 16th January 2023

Best card

Wonderful service from ZOPA. One of the best card's I have ever had Reviewed on: 16th January 2023

Great customer support

Great card, great customer support and would recommend to anyone. Reviewed on: 16th January 2023

Helped me to rebuild my credit score

Great experience with Zopa so far,I messed up my credit score when I was younger and Zopa has helped me rebuild it for my future, the app provided helps me keep on top of things, hope to be considered soon for a credit increase but I’m sure that will happen when they feel I’m ready for one Reviewed on: 16th January 2023

Credit Card and Loan

Very straight forward and good rates Reviewed on: 16th January 2023

A Helping Hand

After COVID everything changed for me especially my finances. I was in major debt, my credit score fell below 200 and no one would give me credit. I applied for a Zopa card just to try and rebuild my credit. They didn't judge me based on my financial issues, but gave me another chance. My credit has built back up again and most of my debts paid off. Zopa had a helping hand in my progress and they are only a phone call away. Thanks Zopa Reviewed on: 16th January 2023

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