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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)

Good

Very easy. Very affirmative. Easy to use app. Recommend 100%. Reviewed on: 29th March 2022

What a pleasure

So easy and helpful. Understood my unique position and had some faith in me. Reviewed on: 29th March 2022

Taking the sting out of borrowing.

What I truly like about Zopa is there whole approach toward customer interaction. You genuinely feel you are part of something, not just a number. I always feel like I am 'in the loop'. Reviewed on: 29th March 2022

Easy to use app

Simple online application, easy to use. Addition of savings account is really useful Reviewed on: 29th March 2022

Excellent service

Having been refused by nearly every credit card company Zopa have trusted me with the opportunity to build my credit score and I'm extremely grateful Reviewed on: 29th March 2022

Absolutely smashing

Such an amazing banking company! Always happy to help and friendly. Any issues I've had, Zopa have sorted it with ease. Everything is always so straight forward. I love them, and would definitely recommend to other people. Reviewed on: 29th March 2022

Excellent customer service

Been very helpful and understanding Reviewed on: 29th March 2022

Zopa good helpful

Easy to apply very quick to reply thank you would recommend Reviewed on: 29th March 2022

Excellent

Easy to apply for, easy to use and good amount given to spend Reviewed on: 29th March 2022

The best credit card ever

It has the best app and the credit card is awesome Reviewed on: 29th March 2022

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