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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43496 reviews)

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4.94

Based on 43,496 reviews, last reviewed 21st Mar 2026

155850% 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

Zopa not only loan money but also encourage people t... Zopa not only loan money but also encourage people to save money. That is why I would recommend Zopa to anyone looking for a loan . Reviewed on: 21st 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 (43496)

Excellent service

Easy to use, totally transparent & fair with excellent customer service Reviewed on: 14th January 2023

Easy to use, great app!!!

Straight forward understanding, simple instructions and app is simple to use. Reviewed on: 14th January 2023

Not happy with them, at all

No, not recommended. Again, not. Reviewed on: 14th January 2023

Credit card review

Great finance and credit card I would recommend to anyone! Reviewed on: 14th January 2023

Excellent product

Excellent credit card easy to use app as well with all the functionality you would need including your borrowing power Reviewed on: 14th January 2023

Easy to set up, use & manage...

...also when you make a payment it is applied instantly, don't have to wait days for it to update, app is helpful & easy to use too. Reviewed on: 14th January 2023

Cannot fault the card

Easy to use App and brilliant customer service Reviewed on: 14th January 2023

Credit card

Been with Zopa for quite some time and been absolutely fantastic with repayments and reminders. Also offers to increase credit limit at appropriate times. Reviewed on: 14th January 2023

Excellent online application

The application process online was very easy and the decision was immediate. Documents signed the same day. Reviewed on: 14th January 2023

Always ready for me

When I need to use it aleyas is ready and when I pay the balance is fixed fast that’s really good Reviewed on: 14th January 2023

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