Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43503)

Very simple to run

Very happy with the service and very helpful Reviewed on: 15th January 2023

Brilliant company

I haven't got anything bad to say about Zopa they are an excellent company Reviewed on: 15th January 2023

Zopa best ever

What can I say, everything is excellent, the app is amazing so easy to use. I would highly recommend zopa. Reviewed on: 15th January 2023

Easy to manage

A very good card East to use and understand App Always keeps you informed Updates you on all transactions and pending transactions Reviewed on: 15th January 2023

Default Sum charged for less than 24 hour late payment!

After having the flu for 5 days and not being able to get out of bed, I paid my credit card bill 12 hours late and got a £12 late payment fee and a notice of sum of default. I’ve never had that with any other card whom have always given two days grace. Wouldn’t recommend to anyone who has the audacity to become poorly. Reviewed on: 15th January 2023

Happy Customer

They gave me a chance despite not having the best credit score. They offered me a fair amount which I appreciated The app is great and overall, I have no complaints…I am very grateful for your help THANK YOU Reviewed on: 15th January 2023

Quick efficient and affordable

All your fees are displayed from the start so no nasty surprises Reviewed on: 15th January 2023

5

I haven't at any problem with zopa there do keep me updated on everything Reviewed on: 15th January 2023

Excellent service

Been with Zooa for a while now. Have given me all I needed in a credit card. Good customer service.. Reviewed on: 15th January 2023

Great card to have

Easy process to apply for the app is very helpful, I’m now fully on track with keeping a good credit score. Reviewed on: 15th January 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Purchase Credit Card
from Halifax 3.75 from 18 reviews
Credit card
from Zable 4.94 from 53213 reviews
Flexicard
from Halifax 4.57 from 5 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5952 reviews
Smart Saver
from Zopa 4.94 from 8051 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub