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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th April 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 (43504)

Excellent

Excellent all round company professional customer service. Reviewed on: 11th January 2023

Excellent service

It’s amazing to grow up your score, it’s very easy to manage and understand the app. Additionally it has different options to save money with a good porcentaje of AER Reviewed on: 10th January 2023

Thanks

I like to say thank you you said yes when everyone said no Reviewed on: 10th January 2023

Best Card I've ever had.

Fast, efficient application process. Easy to use App (even for an 'old codger' like me), and prompt accurate information always available. Reviewed on: 10th January 2023

Simply amazing

Very happy and can suggest to everyone Reviewed on: 10th January 2023

Great Customer Service Experience.

Everything is superb. Very good. Reviewed on: 10th January 2023

Great service even better app

I really like the Zopa app, it is easy to see you remaining balance and how any extra repayments can have an impact. It’s really usually during the current cost of living crisis as it allows me to be money aware and look after my budgeting. Reviewed on: 10th January 2023

Best credit card provider!

It’s so hard easy to manage repayments, everything is displayed clearly and there’s always encouragement to make payment early. The financial health awareness is a plus! Reviewed on: 10th January 2023

Unprofessional

I got a credit card . Fraud on the card . First they give me the money then take it back . What company does this Reviewed on: 30th November 2022

BE AWARE

I got my funds withdraw on my instantmarchantpayment after the help of @shannifaiq on Telegram, he activated my account. My friend instantfunding account also got done too. Reviewed on: 11th September 2022

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