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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 30th Mar 2026

156250% 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

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

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)

Brilliant communication

Been brilliant since I opened the account and easy to reach out to. Reviewed on: 29th March 2022

Great customer service highly recommend

They are always happy to help and deal with any problems and very quick to help and advise Reviewed on: 29th March 2022

Great

Accepted my application fast, ways to improve and build your credit score. I especially like the cushion credit it helps with budgeting. Reviewed on: 29th March 2022

Excellent

I would recommend this company to anyone as they are excellent. It was straight forward in applying and receiving this card. The app is easy to use. Reviewed on: 29th March 2022

Does what it say's it does.

Credit card is exactly as expected, rather helpful for improving credit. Reviewed on: 29th March 2022

Best credit card I have ever owned

From application to use, ZOPA have been an amazing company with supportive staff on hand to answer any queries no matter how small. The App is great and easy to use,making keeping on top of my funds simple Reviewed on: 29th March 2022

Very good company

I was very pleased with the app and very pleased with the service they offer. Reviewed on: 29th March 2022

Easy to use

Zopa are quick and easy to use, no problems so far what so ever. Reviewed on: 29th March 2022

Simple loans made easy

Last year I bought a car from a dealer and Zopa made this very easy to deal with. They paid the dealer and I drove away the next day. I've also taken out a loan with better interest to pay an outstanding card Reviewed on: 29th March 2022

Great company

Always felt like I got help when I needed it. Highly recommended. Reviewed on: 29th March 2022

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