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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43457 reviews)

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4.94

Based on 43,457 reviews, last reviewed 10th Mar 2026

154100% 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:

4

I've had no problems with zopa which I like I've had no problems with zopa which I like Reviewed on: 10th 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 (43457)

Easy to use app and very informative

The app is easy to navigate and are kept up to date with the latest information Reviewed on: 14th January 2023

Excellent service

Excellent card and service, ease of use, good support and seamless experience. Excellent. Reviewed on: 14th January 2023

Excellent Customer service

I have had a Zopa credit card for several months, and I can't speak highly enough of this company. Reviewed on: 14th January 2023

Poor company , poor service

Ok firstly Zopa credit card is OK but how ever we'll you run your account they will never give you an increase or even communicate with you , unless you miss a payment. I've been with Zopa years ive never had 1 increase all because Zopa choose to look at old historical data on my credit profile instead of how you run your account and how you handle credit now not like 5 or 6 years ago. If you speak to someone they aren't interested and don't even care if you close your account so how they think they are the best credit card company I think they are deluded. I have other credit cards that have given me far credit limits so they must trust me bearing in mind I've never missed a payment for over 3 years but Zopa don't trust anyone. So unless you want a paltry limit and then speak to staff who have no care about how you run your account then you might enjoy it otherwise find another provider theres many more I would choose. Reviewed on: 14th January 2023

Straight forward and simple to use

Never had a problem with anything Reviewed on: 14th January 2023

Great service and very easy to use app

Good credit card and very good customer service Reviewed on: 14th January 2023

Happy

Professional support helps good customer service Reviewed on: 14th January 2023

Best company I have been with!

I’ve had credit cards before and they have been no help. I lost my job previously and I had to explain this and they were so helpful and understanding! Gave me different options and guidance. Reviewed on: 14th January 2023

Good company

Never had any trouble with them Reviewed on: 14th January 2023

EFFICIENT SERVICE

It was straight forward opening an account and the mobile app is easy to use Reviewed on: 14th January 2023

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