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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 USE AND IN CONTROL

I felt really in control I haven’t found other cards having a lock amount which I find helpful for rainy days. it’s easy to use, interactive and feels there for you! Reviewed on: 29th March 2022

Really straight forward

Really easy to use and pay balances Reviewed on: 29th March 2022

Fabulous

I just want to thank you and being able to write this review enables me to do so I had a low credit rating just because no other credit card company ever gave me a chance since using zopa I've managed to build my credit score along with other cards but mostly zopa they gave me the start I needed I use it frequently and the apr is brilliant I couldn't ask for a better company to support me ive already recommended this to family and if you are thinking of signing up for it but aren't sure do it the app is very easy to use and it has a very easy way to navigate through and finding everything you need when paying the credit back you can use it anywhere just like a debit card im giving this Reviewed on: 29th March 2022

Amazing bank

Zopa bank is so easy to use, money goes straight into the bank highly recommended Reviewed on: 29th March 2022

No fuss no worries

Always help you when you need it so that you don't have the stress Reviewed on: 29th March 2022

good

good service and support, i liked it so much Reviewed on: 29th March 2022

So straightforward to apply, easy app and friendly emails giving plenty of information

Applying was a doddle, the app is great and user friendly. Also receive emails frequently giving you plenty of notice of when payments are due. Great company Reviewed on: 29th March 2022

Brilliant customer service

Every encounter I've had with customer services has been excellent and we'll handled by the team. Also I absolutely love the Zopa App, so very easy to use Reviewed on: 29th March 2022

Very quick service

Got approved within 5 minutes and received my card in 4 days Reviewed on: 29th March 2022

Excellent banking

Never had any issues Very happy with the services Reviewed on: 29th March 2022

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