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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)

Easy to get when low or no credit score

If you are in the UK, have no or low credit history then this card helps to build good credit score. I recommend it. Reviewed on: 29th March 2022

Amazing service

I am over the moon with the service I receive from Zopa from the app to customer service it’s amazing. Reviewed on: 29th March 2022

Very happy

I was very pleased as a new customer to how it was from applying receiving and using this card and the app is very easy to use and make payments I’m really happy as a customer and knowing I’m rebuilding my credit score using this card too is so exciting. Reviewed on: 29th March 2022

Easy no hassle

Very straight forward to apply , love the app you can see exactly what you spend and also easy to make a payment through the app. would highly recommend Reviewed on: 29th March 2022

Good

Easy to use and very happy with zopa app and the service provided Reviewed on: 29th March 2022

100%

Easy & no fuss great ppl to work with. Reviewed on: 29th March 2022

So easy to use

Love the fact you have the app and control spending and easy repayments it’s Genius definitely recommend Reviewed on: 29th March 2022

Brilliant

Zopa is and absolutely amazing credit. The team that works with helping you with any difficulties you may be having are great and really have time for you. It would mean a lot to me to win this 1000 pounds Reviewed on: 29th March 2022

10 stars

Good app and easy. Recommend to all my family Reviewed on: 29th March 2022

Winner

Love the accessibility, the verification methods and the transparency. As I’m building my score I can see what percentage of my facility I’m using, when to pay to avoid interest charges as well as set a buffer so I never go over my limit. Really impressed Reviewed on: 29th March 2022

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