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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)

Wonderful credit company

Always there to help and great ways to do credit. Reviewed on: 29th March 2022

Better by far

Sorry bot one for words, but I'm happy with the service I'm provided, zopa is far better than other credit cards, e sample male a payment and its instantly credited to your account, unlike competitors like capital one who take 7 days to credit it, then sting you for 20 quid as it missed the payment date as they was holding onto the payment you made well before then time Reviewed on: 29th March 2022

Rocking great

Easy,smart,effcient,clever,always there Reviewed on: 29th March 2022

Zopa

Great team keep up the great work Reviewed on: 29th March 2022

Easy to use, very clear

Excellent app, very easy to use and has the excellent "credit cushion" facility for protection of some of your available balance Reviewed on: 29th March 2022

Ease of use

Transactions are received within minutes unlike other credit cards taking multiple days Reviewed on: 29th March 2022

Experiencing the customer valued service

The value they are giving the customer and the payment terms is so relaxing. Reviewed on: 29th March 2022

Simple

The app makes it simple for older people like myself to understand and use Reviewed on: 29th March 2022

Zopa knows how to treat a customer by truly valuing their relevance to the company

No other providers provide the level of understanding and respect. Reviewed on: 29th March 2022

Very simple and easy to use

Zopa is by far one of the best credit cards out there, the mobile app makes it so simple to track your spending and account is automatically credited when you make a payment to it which i believe takes 3-5 days for payments to appear with their competitors! Reviewed on: 29th March 2022

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