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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)

Fabulous service

I have had a few credit cards in the past which I paid off and closed due to for a number of reasons. I cannot recommend Zopa enough, it will be my forever credit card. The app is easy to use, payments go on straight away, their customer service is great. I have nothing negative to say about this company! Reviewed on: 29th March 2022

Best customer service

This is a great card the customer service is amazing and really friendly and helpful I would highly recommend Reviewed on: 29th March 2022

Excellent service

Applying was easy and hassle free. Communication was simple and regular updates are always appreciated Reviewed on: 29th March 2022

Easy to use, good experience

Easy to use, easy to apply, good service,i got my carde after 2-3 days was delivered quickly Reviewed on: 29th March 2022

Made some mistakes

I made a few wrong choices a few years back basically my credit score was grimm thanks to zopa they gave me a credit card to help me rebuild my score always helpful and the app is super easy to use I think they are a great credit company woukd definitely recommend them Reviewed on: 29th March 2022

Amazing bank!

Service is great, really helped me! Reviewed on: 29th March 2022

My review

Really helpful and the app is ideal and easy to navigate. Reviewed on: 29th March 2022

Easy to apply, quick card delivery

I had an instant decision on my application and the card arrived super quick. 10/10 from me! Reviewed on: 29th March 2022

Very helpful & reliable company

Zopa is a very helpful and understanding company when you are going through some difficulties. Their service is very impressive as they are very quick and easy to use and they also have a customer friendly website, which keeps you up to date with the progress on your applications. I have a credit card with them and they always notify me 3 days before that my payment is due just so I don’t forget to make my payment. Their customer representatives are professional, helpful and polite which is refreshing as some of these credit card companies customer services are not always the best. It’s refreshing when a financial company goes out of their way to invest in their customer service. Reviewed on: 29th March 2022

Great card

Good for building credit score and 0% interesest if you pay in time Reviewed on: 29th March 2022

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