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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,342 reviews, last reviewed 10th May 2026
36% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
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0%

Latest highest rating:

5

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 2026
Linda 's avatar
Linda

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44342)

Efficient and friendly

5
Friendly and caring team. Great card with low interest rate and easy to replay. The app is also great Reviewed on: 14th January 2023
VikkiC's avatar
VikkiC

Brilliant!

5
Very understanding and considerate team, goes above and beyond. Very helpful tools on their app. Gives you monthly insight into whether you can have a credit limit rise. Reviewed on: 14th January 2023
Dean Russell's avatar
Dean Russell

Great company, brilliant service

5
They’re really good at what they do! Helpful, informative & a really good credit service to use! Reviewed on: 14th January 2023
Siobhan 's avatar
Siobhan

Excellent service

5
Easy application firm .excellent customer service ..Highly recommended simple and straight forward .. future of banking Reviewed on: 14th January 2023
Jo Claire (Jo Jo)'s avatar
Jo Claire (Jo Jo)

Easy to understand and always very clear

5
Very happy with savings pot and clear breakdown of finances as well as app that notifies of balance. Very good. Reviewed on: 14th January 2023
Elaine H's avatar
Elaine H

Easy to use app and very informative

5
The app is easy to navigate and are kept up to date with the latest information Reviewed on: 14th January 2023
lizscrivens@yahoo.co.uk's avatar
[email protected]

Excellent service

5
Excellent card and service, ease of use, good support and seamless experience. Excellent. Reviewed on: 14th January 2023
Mark Lewis's avatar
Mark Lewis

Excellent Customer service

5
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
Paul Rush's avatar
Paul Rush

Poor company , poor service

1
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
FOREST TILL I DIE's avatar
FOREST TILL I DIE

Straight forward and simple to use

5
Never had a problem with anything Reviewed on: 14th January 2023
Lorraine.thomson's avatar
Lorraine.thomson

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