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Zopa: Credit card reviews

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4.94
Based on 43,495 reviews, last reviewed 20th Mar 2026
155800% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
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0%

Latest highest rating:

5

Explfantastic service Explain why not.eligable for change to lending amounts gives.plenty notice of payment amounts quick and easy to use Reviewed on: 20th March 2026
Mrs T's avatar
Mrs T

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 (43495)

Best credit card company

5
Easy to use and great that payments are put onto the credit card instantly and not having to wait for 3-5 days. Highly recommended Reviewed on: 14th January 2023
kyle ashworth's avatar
kyle ashworth

Very efficient

4
Very efficient & good I had the option to use the card as soon as I was accepted Reviewed on: 14th January 2023
ens22's avatar
ens22

Good credit card

5
I had good experience with zapa credit card Reviewed on: 14th January 2023
Kisitu sheilah's avatar
Kisitu sheilah

Credit card

5
Easy to deal with and very informative Reviewed on: 14th January 2023
Stuart 's avatar
Stuart

Best credit card

5
Ive been with zopa about 2 years, good rates good service excellent credit card. Reviewed on: 14th January 2023
Joanne robinson 's avatar
Joanne robinson

Excellent

5
Best CC I have ever had. Faultless since the day I received and app is so easy to use Reviewed on: 14th January 2023
Rue Itzinger's avatar
Rue Itzinger

Credit card

5
I think it’s great how easy to use the app to keep track of your spending, I like how you get notifications as soon as you spend on your card. Big thumbs up. Reviewed on: 14th January 2023
K adams's avatar
K adams

App

5
Good app. Very user friendly. Clear communications. Reviewed on: 14th January 2023
elizabeththomas7@sky.com's avatar
[email protected]

Excellent Service

5
Zopa has been very helpful in providing an credit card with a good rate. Reviewed on: 14th January 2023
Doreen/Steve Ely's avatar
Doreen/Steve Ely

Great

5
Great credit card especially if you have a lower credit score Reviewed on: 14th January 2023
Sean 's avatar
Sean

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