Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

View other Zopa products

4.94

Based on 43,503 reviews, last reviewed 24th Mar 2026

156200% 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

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th 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

Read all reviews See your review

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.

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43503)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Zopa card provide value and quality services to thei...

Zopa card provide value and quality services to their costumers. Reviewed on: 15th January 2026

HELPFUL WHEN I NEDED THEM MOST

WHEN I NEEDED HELP ZOPA WAS THERE TO HELP. GOT ME THROUGH THE MONTH Reviewed on: 15th January 2026

Simple to use and understand.

Simple to use and understand. The app is also great and very clear as to what your balance is and what your minimum payment is Reviewed on: 15th January 2026

I’ve found zopa very friendly and efficient

I’ve found zopa very friendly and efficient Reviewed on: 15th January 2026

Zopa really helped me to improve my credit rating.

Zopa really helped me to improve my credit rating. They gave me a realistic credit limit and the App is so easy to use to make payments/check your account etc. Whenever I have rung them the advisors have been polite and knowledgeable also. Reviewed on: 15th January 2026

Great app.

Great app. Great service. Get reminder when I need to pay Reviewed on: 15th January 2026

It a reliable company and helped you out.

It a reliable company and helped you out. Reviewed on: 15th January 2026

It's so easy to use, always keeping you upto date on...

It's so easy to use, always keeping you upto date on your 6 Reviewed on: 15th January 2026

Excellent service very helpful for finance

Easy access, friendly users. Great help for finance Reviewed on: 15th January 2026

Trusted and reliable credit card that has a APR that...

Trusted and reliable credit card that has a APR that is not high Reviewed on: 15th January 2026

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit builder card
from thimbl. 4.88 from 18 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Everyday credit cards
from Lloyds Bank 4.03 from 64 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5951 reviews
Smart Saver
from Zopa 4.94 from 8050 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub