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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)

Very Helpful

A very helpful company with a great app Reviewed on: 14th January 2023

Great and convenient

From the start of the application process was easy to and quick for approval. My balance was lower then what I wanted but after uninhabited it and paying it off they up my balance. If used correctly it’s a massive help. App is well made also. Reviewed on: 14th January 2023

Application

Straight forward and friendly, easy application process Reviewed on: 14th January 2023

Very friendly staff

From start to getting card the staff was very welcoming and helpful Reviewed on: 14th January 2023

More than I expected

From first to last, its been very easy to manage my account. The App helps me build my credit score with advice. Overall highly recommended Reviewed on: 14th January 2023

Credit card

Process was very simple and easy. Very quick response for acceptance.. App very easy to use and so handy! Reviewed on: 14th January 2023

Fair lending

The app is very clear and has everything you need. They use very clear application form. Reviewed on: 14th January 2023

poor serviice

As a company they do not seem to be able to set up direct debits, trid on three occassions, only for Zopa to miss my payement deadline, then charged me£12 for their mistakes, they still have not returned my money, in other ways they seem a good company, pity about direct debits Reviewed on: 14th January 2023

Great service

They’ve helped me increase my credit score and granted me a credit card. Awesome customer service and support anything you need. Thank you all Reviewed on: 14th January 2023

Credit with a conscience

An excellent credit provider. No ridiculous credit increases and responsible lending. Won’t let you borrow more than you can afford. Easy to use app and simple credit terms. A brilliant way to build credit. Reviewed on: 14th January 2023

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