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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (43503)

Best card going

Quick and easy very satisfactory Reviewed on: 15th January 2026

Straight forward application and acceptance.

Straight forward application and acceptance. No problem activating the card/account. Website easy to use and understand. Reviewed on: 15th January 2026

Zopa are a brilliant lender and good customer servic...

Zopa are a brilliant lender and good customer service, great company Reviewed on: 15th January 2026

Good credit card

It's a good credit card easy to use Reviewed on: 15th January 2026

Ease of use

I have been with Zopa for a while now and I am very happy with their customer service and easy to use app. Reviewed on: 15th January 2026

Clear info equals smart decisions

The information is clear, how your interest/loan/early repayments are all really clear and the app updates really quickly. You can check your pin, freeze your card and get access quickly Reviewed on: 15th January 2026

I have had only good things to say about Zopa by, I...

I have had only good things to say about Zopa by, I was supported fully when I had problems with my accident. Reviewed on: 15th January 2026

Easy to keep up with my spending and credit rating...

Easy to keep up with my spending and credit rating Reviewed on: 15th January 2026

Never any issues always updating in borrowing power...

Never any issues always updating in borrowing power no complaints at all excellent service Reviewed on: 15th January 2026

never had an issue and the always let me know where...

never had an issue and the always let me know where my account is at and when payments are due. I onlynhave 1 small issue which is not the fault of zable i cannot link my bank 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

Student Credit Card
from NatWest 4.31 from 6 reviews
Clubcard credit cards
from Tesco Bank 4.03 from 328 reviews
Clarity credit card
from Halifax 4.23 from 266 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5949 reviews
Smart Saver
from Zopa 4.94 from 8049 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