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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 company ever

Absolute diamond of a company, very reasonable rates fast response would recommend to anyone, so quick and easy Reviewed on: 14th January 2023

Helpful and transparent

Zopa has been extremely helpful, easy to use, trustworthy and transparent. It has also provided me with some useful insight into my spending power and credit report. Very happy. Reviewed on: 14th January 2023

Great customer service

Staff are very helpful and willing to support. Easy to use Reviewed on: 14th January 2023

Great

Decent card easy to use quick replacement if needed so yeah decent service Reviewed on: 14th January 2023

Really easy to apply

Easy to apply helpful tools and advice highly recommended Reviewed on: 14th January 2023

Customer feedback

Very simple process to obtain credit to assist financial assistance in a current cost of living, they’re understanding, supportive and great CS, other companies need to learn from them! Reviewed on: 14th January 2023

Great company!

Zopa is a great company. I have never had any issue with my credit card account, even if I have accidentally exceeded my limit. I am very happy to support them. Reviewed on: 14th January 2023

Brilliant

Never messed Me about the app if very helpful as well Reviewed on: 14th January 2023

Awesome credit provider!

I was looking for something new and a bit different in terms of credit card providers. I came across Zopa through a recommendation from a credit report company. Maybe experience has been nothing short of excellent! Easy application process, instant response and acceptance. Started off with a small credit limit as I didn't want to put all my eggs in one basket so to speak, but I am so happy that I chose Zopa. I will be staying and growing a relationship with Zopa for many years to come. Customer service is outstanding and everything about my experience so far has been so easy to manage. Any problems/questions have been dealt with efficiently and swiftly. I will definitely be recommending Zopa to all of my friends and family! ⭐⭐⭐⭐⭐ Reviewed on: 14th January 2023

Flexible Credit Card

Easy to use, no fees for use abroad. Good all round credit card. Reviewed on: 14th January 2023

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