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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)

Low APR Decent Credit limit

App is good too - shame they don’t do current accounts! Reviewed on: 18th August 2022

More than just a credit card

Finding Zopa really helped me to get my finances under control from setting a cushion to help check my finance stability and keep payments under control and manageable. The app is super to use. Really impressive service from Zopa Reviewed on: 5th August 2022

Great

Very good service and great customer service Reviewed on: 22nd July 2022

Very unprofessional service!

Very unprofessional service! The worst company! I only had problems with them! avoid as much as possible! problems, problems and problems again! A very small problem that has not been solved for several months and come with generic messages, avoid! Reviewed on: 25th May 2022

Very helpful

Very good service helpful people and both myself and my wife agree Reviewed on: 29th April 2022

Excellent Service

Great credit card, so easy to set up and they keep you up to date with information. App user friendly. No problems whatsoever. Cracking company to be with Reviewed on: 14th April 2022

How it should be!

Great app/Features/Customer service. I love zopa Reviewed on: 13th April 2022

Fantastic

Fantastic credit card staff helpful when I call them Reviewed on: 9th April 2022

Very good

Very informative with how they do things and let you know how you are spending and helpful Reviewed on: 8th April 2022

Excellent

Great app and great customer service. Reminder txt ans easy ways to pay Reviewed on: 7th April 2022

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