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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43447 reviews)

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4.94

Based on 43,447 reviews, last reviewed 10th Mar 2026

153650% 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:

5

Great customer service always happy to help and offe... Great customer service always happy to help and offer great customer service excellent security measures in place, easy to use app 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 (43447)

Professional company

Good communication, responsible lenders Reviewed on: 14th January 2023

Amazing service

From the set go Zopa have communicated updates about my account, they allow you to keep a track of your spending with the easy to navigate website. Excellent service. Reviewed on: 14th January 2023

Simple fast and fun

Ni Jinping through hoops what you see us what you get Reviewed on: 14th January 2023

Simple - from start to finish

Everything with this product is easy. From application process and simple and clear repayment arrangements. Reviewed on: 14th January 2023

First credit card in years

I have experianced bad credit in the past due to an ex-partner. Z opa allowed me a small amount of credit at first and have slowly increased the limit as I proved myself. Excelent provider and sensible. Reviewed on: 14th January 2023

excellent

quick and easy,money always availble Reviewed on: 14th January 2023

Great

Great, simple and helpful servise Reviewed on: 14th January 2023

Fabulous app, accessible credit

I took out a Zopa credit card when my IVA ended to help me work on my credit score & give me a little fit of wriggle room in my finances. The app is so easy to use and the credit card has helped me get back on my feet. I pay it off in full when I use it. Highly recommended, no fuss Reviewed on: 14th January 2023

So easy

The app is very easy to use, even for older people like me. Reviewed on: 14th January 2023

Life saver

They accepted me with my poor credit score. When anywhere i was rejected and later on even increased credit limit. Helped me when i had hard times. Reviewed on: 14th January 2023

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