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Zopa: Credit card 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
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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
Kevin M's avatar
Kevin M

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
Thobekile Nkomo 's avatar
Thobekile Nkomo
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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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Zopa Credit card reviews (43503)

Top Credit Card Company

5
I would highly recommend Zopa Credit card, Reviewed on: 14th January 2023
Aijaz Abrejo's avatar
Aijaz Abrejo

Brilliant

5
Really good service. Always there to help me out of a jam. Reviewed on: 14th January 2023
Dean Loveridge's avatar
Dean Loveridge

Excellent and easy

5
Zopa is always updated and let you know in advance whatever needs to be done so that we are not sleeping of paying back and the app is super easy to use, Reviewed on: 14th January 2023
Irfan Muhammed's avatar
Irfan Muhammed

Good company

5
I’ve had 2 loans (now fully paid) and a credit card off these, the app is easy to use and the staff are friendly. Reviewed on: 14th January 2023
Stu Jones's avatar
Stu Jones

Simple, great service

5
Easy to apply, quick decision and fully in control - unlike certain larger cards (rhymes with arkly card) genuinely in control of finance with a straightforward app. Absolutely recommend. Reviewed on: 14th January 2023
Julie Trinder's avatar
Julie Trinder

Excellent Web site

5
Easy to use, good Apr rates, highly recommended Reviewed on: 14th January 2023
Jennifer Rose 's avatar
Jennifer Rose

Professional

5
Very helpful and professional service Reviewed on: 14th January 2023
Mark Boulton's avatar
Mark Boulton

Credit card

5
It’s the best one I’ve ever used Reviewed on: 14th January 2023
june Kozaczek's avatar
june Kozaczek

Credit card

5
Zopa credit card helps me to rebuilf credit rating. They undertake monthly affirdability checks. Easy to monitor usage via app or text update wity each transaction. Very safe. Great company. Reviewed on: 14th January 2023
Charlotte Cummings's avatar
Charlotte Cummings

Refreshingly modern

5
Zopa is such a professional yet modern Credit Card provider. The application was quick and user-friendly without ever compromising on delivering the crucial and important information that goes hand in hand with credit products. The App you can use for card management is spectacular; it has all the features you'd expect and a lot more. Since having my Zopa Credit Card I have used almost all aspects of the app and Zopa's services. From viewing my PIN, and card details, and updating and amending my direct debit repayment details, the service provided is impressively simple without compromising on effectiveness, which I don't see with my other Credit providers at this level. One of the many impressive things I have to compliment is the ability to set a spending cap on your card. This allows you to maintain responsible use of the card and physically prevent an over-utilisation that would otherwise negatively impact your credit rating. Zopa goes one step ahead of its competition in this regard and they advertise the feature and even suggest it to its users. Other companies I have dealt with may allow this option but tend to almost hide it from the basic user as it of course leads to people spending more and paying back more in interest. Zopa takes a much more responsible approach and explains and encourages such a thing, which I feel will keep customers and keep them happy and their credit well-managed in the long run. Their credit limit increases are closely regulated to prevent giving those who cannot afford more credit the ability to get into debt they cannot reasonably manage. Lastly, when dealing with customer services (which may I add is much more accessible than other Credit suppliers I have dealt with) I have been treated with dignity and respect, and the staff show genuine care for the customer and are doing what they can to help in any given situation. I couldn’t be happier than I am with Zopa and have already suggested their products to my family and a few close friends, some of whom have begun using Zopa as their primary credit card supplier due to the reasons I discuss above. Reviewed on: 14th January 2023
Jack's avatar
Jack

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