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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

65% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 (44345)

Zo fantastic

I love having this card for emergency unexpected expenses especially during this cost of living crisis. Very easy to apply for and fast decision. Reviewed on: 13th January 2023

Responsible lender

Applying on line was straightforward. Responsive to questions and queries. Reviewed on: 13th January 2023

No Hassle

Been with Zopa for nearly a year I personally have had no trouble with the company it’s be a good experience with them, always happy to help always at the end of the phone or email. Rates are perfect for people like myself, take no time in applying I’d definitely recommend Zopa to family and friends. It’s definitely a company that’s is straight down the middle with no hassle just how I like it. Reviewed on: 13th January 2023

Friendly easy service

Good credit card company to use. Friendly customer service. Reviewed on: 13th January 2023

The best

Simple the best credit card company ever Reviewed on: 13th January 2023

Excellent

Excellent services best option Reviewed on: 13th January 2023

Easy to use

Honestly haven’t come across an easier app and company to use for a credit card. Makes my life easier! Reviewed on: 13th January 2023

Great service

Great service always there to help overall great company Reviewed on: 13th January 2023

Excellent service. Very fast providing needed credit. Interest rate not as expensive as most. Very clear with conditions. I am very happy with their service.

I always had access to all the information I required. Reviewed on: 13th January 2023

Helpful

What I like about zopa is that it's doesn't juat up my credit when it wants. It's takes into consideration of my funding and what I cant afford that allows me not to over spend. Reviewed on: 13th January 2023

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