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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)

Best credit card

Since ive been with zopa found them to b professional and have excellent customer service cannot fault them at all would gv them 10 out 10 Reviewed on: 15th January 2023

Low credit score card

Given manageble limit and never had a problem Reviewed on: 15th January 2023

Great

Great service easy to use card as clearly statement Reviewed on: 15th January 2023

Excellent service

Great company to help get credit back jnder control would definitely recommend Reviewed on: 15th January 2023

Friendly

Zopa is very easy to access and very straightforward Reviewed on: 15th January 2023

Super low interest

Being accepted for this super low interest rate credit card was a boon for me. No doubt helped by being a valuable personal loans customer. I am extremely pleased with the Zopa products overall and no need to go anywhere else. Reviewed on: 15th January 2023

Accessable to All

Overall it was a really simple process to get the account open and the card was with me in a about 2 days. The app itself has all the usual uses one would need. Be that the ability to set a buffer limit or too freeze your card as i have done once when lost. Once i found it at the lost and found i could unfreeze. Not having to wait for another card in the post. The best feature i think is being able to see your pin. I don't use it often due to it's contactless so it really helps being able to get my pin after a quick security check beforehand. Reviewed on: 15th January 2023

Excellent

Excellent experience, very easy to use. Reviewed on: 15th January 2023

Great credit card and low monthly payments.

I’ve had a Zopa credit card for nearly one year now, it’s been great for building my credit rating and also the monthly payments are low. Reviewed on: 15th January 2023

Easy to use and simple to apply

The app is nice and easy to use. The application process was simple. Reviewed on: 15th January 2023

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