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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44347)

Brilliant company .. never a problem with contact .excellent

Good rates and efficient staff .highly recommended Reviewed on: 14th January 2023

Hit and miss

They gave me a card with 34% apr and a £500 limit... If I had known this I would not have proceeded with the application; however after cancelling it and re-applying a coupl eof months later I got a £3k limit with 9.9% apr which has gone up within a could of months to 10.9 Reviewed on: 14th January 2023

Good customer service

Really helpful in difficult times Reviewed on: 14th January 2023

Satisfied Customer

Very quick and easy to deal with Reviewed on: 14th January 2023

Great Product

This credit card has given me a chance to help rebuild my credit after the pandemic and losing my business, great app and easy to use good service all round. Reviewed on: 14th January 2023

The best

I aplay last years and i recive the credit in 15 min Reviewed on: 14th January 2023

Never had a problem with Zopa. The app works well and easy to watch what you are spending

Would definitely recommend Zopa to my friends Reviewed on: 14th January 2023

EXCELLENT sERVICE

NICE AND EASY TO APPLY, CAREFULLY MONITORED CREDIT RATING, EASY TO USE APP AND GREAT NOTIFCATIONS Reviewed on: 14th January 2023

Best Credit Card provider

The app is so easy to use, when you make an ad hoc payment with debit card it shows within 20 mins, so informative, friendly, user easy, best credit card I have ever had. They make it so easy to manage. Hope you win Reviewed on: 14th January 2023

First class no fuss service

Very helpful always keeping the customer aware of there account and giving advice on how best to deal with your personal account Reviewed on: 14th January 2023

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