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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)

Very easy to use , can control spending also

Such a good app , easy to use , I can control my spending , up my limit , use more then any other of my credit cards , would recommend ! Reviewed on: 29th March 2022

Very Impressed

App is great lots of useful information. Regular updates couldn't ask for anymore very pleased with Zopa Reviewed on: 29th March 2022

Fast, reliable, absolutely great value

I've discovered Zopa by accident and absolutely fell in love with the product. The app is intuitive and straightforward, the repayments are calculated really well and it provides a flexibility I needed. Most importantly, there's no hidden charges or hard upsell of other products, which makes it even better. I'm a big fan. Reviewed on: 29th March 2022

Efficient app

I like Zopa because their iPhone app is so easy to work. You can access or change many things by a click of a button Reviewed on: 29th March 2022

Zopa a company without all of the drama

Easy to apply, quick decision, everyone deserves a second chance and Zopa have helped me with that. Very much appreciated. Reviewed on: 29th March 2022

Great service

The app is very user friendly and they have been a great service Reviewed on: 29th March 2022

Just fantastic

Couldnt believe how quick they were getting me a credit card and a loan. Reviewed on: 29th March 2022

Just very happy

Very happy quick and simple would recommend to anyone Reviewed on: 29th March 2022

Helpful, friendly

Very helpful and professional. My credit score has improved since being with Zopa Reviewed on: 29th March 2022

Quick Application Easy to use.

I applied for a Zopa credit card based on the quick check saying I was eligible and what my interest rate would should I apply. After applying I was accepted immediately and set everything up in the Zopa app. Credit card arrived very quickly and was easy to activate. When making a purchase you get an almost instant notification of what you have spent. The card is also good for spending abroad as there is no fees for using your card should you choose to do this. This is a great feature and will make noticing any unauthorised spends should they happen quick and easy to deal with. All in all I am pleased with my Zopa credit card. Reviewed on: 29th March 2022

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