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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)

Perfect customer service

Answer professional and i would recommend it Reviewed on: 14th January 2023

your in control

the app you control your finances repayments increase and decrease your credit limit help when you want it Reviewed on: 14th January 2023

Bad credit

I was accepted on Sunday and I now have the card. Wow quick work guys. Reviewed on: 14th January 2023

First credit card

My first ever credit card after having a poor credit score, the app is really simple to use and very clear regarding your payments and payment options. Reviewed on: 14th January 2023

Great credit card from responsible lenders

A great credit card where the lenders keep you updated regularly on your spending limits and provides excellent support to help improve your credit rating. Would recommend this card to friends and family. Reviewed on: 14th January 2023

No fuss and easy to deal with.

Zopa are a company that are very easy to deal with and things get done with the minimum of fuss. I would gladly recommend them to people I know. Reviewed on: 14th January 2023

Simple process

The process of checking your balance online is so simple. Great low interest and tips each month on borrowing power. Reviewed on: 14th January 2023

Great app

Great app. Clear and easy to use. The only space to improve - add Apple Pay functionality. Reviewed on: 14th January 2023

Great rates brilliant support

The app is easy to use. They help you manage your spending and give advice. Reviewed on: 14th January 2023

Easy use.

The card is easy to use, and the app is excellent . Reviewed on: 14th January 2023

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