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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)

Credit

Very good service, no hassle and payments taken on times allocated, cheers Reviewed on: 14th January 2023

Brilliant rates and easy app to use

Easy application and app plus low interest rates. Reviewed on: 14th January 2023

Excellent

Excellent service and easy to apply for Reviewed on: 14th January 2023

A great credit service

I chose zopa credit card to help improve my credit rating, so far it's been the best decision I have ever made. The zopa app is so easy to use, every time I spend I get a notification showing how much I just spent and how much credit I have available. All payments to zopa is done through the app and is linked to my bank card. If I ever forget to make my monthly payment I don't need to worry , as there is a set date within the app where the payment is made. I am now more confident of my spending habits an I am in total control of my spending. As a result my credit rating has Improved and my credit limit has been upgraded Reviewed on: 14th January 2023

A*

Good service and very easy mobile app to use Reviewed on: 14th January 2023

Great service

Quick and easy to use app. Keep you informed on everything you spend , great company Reviewed on: 14th January 2023

Easy company to deal with

I've had absolutely no problems with them at all Reviewed on: 14th January 2023

Zopa Credit Card

Excellent card company they always let you know when you need to pay before you are charged interest. Fantastic C Customer Service, would highly recommend. Reviewed on: 14th January 2023

Clear, easy and manageable.

I have been with Zopa for over a year now and have found them so easy to deal with. My account is really easy to manage via the app and I have not found any need to contact Zopa any other way as the app does everything I need. It to do. I haven’t been bombarded by Zopa to take advantage of any other services that they do like other companies do and it’s a breath of fresh air I must say. All in all, I’m happy that I am using Zopa’s service for my needs. Reviewed on: 14th January 2023

Very handy

Easy application process for credit building. Never had any personal need to contact the team but I'm sure the assistance would be there Reviewed on: 14th January 2023

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