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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)

Perfect bank

Had great experience so far and they don't seem to rip you off and they are easy to contact if need be. Reviewed on: 29th March 2022

Good sevice

Brilliant service for a credit card, I use mine in emergencies, not had any issues and the repayments are fair. Reviewed on: 29th March 2022

Unbelievably reliable

Have a zopa card I have found it easy to manage it has a affordable limit and great interest rates there app is easy to us and shows you every aspect of your acount Security it at the upmost highest and I like that you can't see pins etc without verification that you are the acount holder Reviewed on: 29th March 2022

Brill

Easy to use and helpful, the bank is easy to deal with Reviewed on: 29th March 2022

Perfect for me

Have a low credit score and Zopa gave me a chance with a small credit limit to help improve my rating when other banks wouldn't Reviewed on: 29th March 2022

Perfect thank you

Very easy to deal with easy to get hold of perfect thank you Reviewed on: 29th March 2022

App easy to use

The application process was very straight forward. The app is easy to use and I can see where I stand straight away Reviewed on: 29th March 2022

Great cars

Zopa is a great card would highly recommend if you want to build your credit raiting, good look too Reviewed on: 29th March 2022

Simple

Zopa are such an easy company to sign up with, so easy to set up and use which is what we require Reviewed on: 29th March 2022

Bouncing back with confidence

Zopa is easy and sustainable to use . It helps build your credit , which helps you. Hold your confidence and bounce back after the pandemic. Sensible credit limits, easy to use app and easy to make payments I am very grateful to Zopa accepting me as it makes you feel like your back on track . After losing everything in 2014-15 due to my marriage breaking down to domestic violence I have had to work twice as hard to bring up my daughter and restart again. I am now trying to get a mortgage and Zopa has helped me out it’s my credit rating which has helped my mental health Thank you so much Reviewed on: 29th March 2022

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