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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)

My Zopa credit card

I’d highly recommend Zopa as they’ve really helped my financially as I was struggling and helped me with paying things off so I wasn’t in debt. Reviewed on: 29th March 2022

A great little credit builder!

I've been working on building my credit, and there has been nothing else that has brought the numbers up more than using and paying off my Zopa each month. Thanks ZOPA! Reviewed on: 29th March 2022

excellent service

excellent service keeps me up to date with spending and money available Reviewed on: 29th March 2022

Brilliant!

Love the app, the quick delivery of the card was ace and I think that the ability to not only control date of payment but also how you are going to pay each month directly from the app is brilliant! Can't fault Zopa! Highly recommended! Reviewed on: 29th March 2022

Easy to use,easy accepted

I enjoy using Zopa service and the app is easy to use definitely recommend it Reviewed on: 29th March 2022

Mrs Anne Tsetang

It is east to understand monthly statement and easy to handle each transaction Reviewed on: 29th March 2022

undefeated service

Zopa has unbeatable services for everyone Reviewed on: 29th March 2022

Highly recommend!

Very polite and friendly credit bank. Always helpful when I need. Reviewed on: 29th March 2022

Easy to use and great interest

Been easy to use since day one. App easy to navigate, the interest and communication around when payments are required Reviewed on: 29th March 2022

Quickest arrival ever

Easy application and arrived within a day! Reviewed on: 29th March 2022

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