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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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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

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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 (43503)

Never had any problems with Zopa excellent service

Never had any problems with Zopa excellent service Reviewed on: 15th January 2026

Never had any problems and I like the fact that goin...

Never had any problems and I like the fact that going over your limit by the added interest won't cost you £12 Reviewed on: 15th January 2026

Great Service Good Communication From Advisors Help...

Great Service Good Communication From Advisors Help Appreciate Keep Up The Good Work Reviewed on: 15th January 2026

Great customer service, very good app and easy to us...

Great customer service, very good app and easy to use, helping to manage finances effectively with lots of tips and ideas. Able to see how my spending effects my credit score and ways to improve, ability to see my options. Reviewed on: 15th January 2026

Excellent service, the app is so easy to navigate,gi...

Excellent service, the app is so easy to navigate,gives you all the relevant information that you want and excellent savings advice. They keep you informed when any payment is due,so you are always made aware of when your payment is taken, which is very helpful. I would recommend Zopa to anyone enquiring about a financial service Reviewed on: 15th January 2026

Zopa Credit Card

Excellent customer service. Offer good advice Reviewed on: 15th January 2026

Always ready to help.

Always ready to help. Easy to navigate site. Reviewed on: 15th January 2026

Low monthly payment interest charges could be a bit...

Low monthly payment interest charges could be a bit lower Reviewed on: 15th January 2026

Easy application.

Application process was easy, I like the amount of communication sent out, just enough. App is well thought out and easy to use. Interest rates are in line with other cards. Reviewed on: 15th January 2026

Had a Zopa card for a number of years.

Had a Zopa card for a number of years. It has a great customer friendly app and modern features. Reviewed on: 15th January 2026

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