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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)

Amazing

Ive never had a bad experience, fast service and friendly staff. Reviewed on: 28th March 2022

Easy to use and great service

The app is so easy to use with great features. Would highly recommend Reviewed on: 28th March 2022

Card usage and customer service

Easy to use. Gives quick reply and solutions. Reviewed on: 28th March 2022

Absolutely brilliant

Easy to use with the app to understand what you need to pay and when great experience Reviewed on: 28th March 2022

Fantastic

Fantastic no issues and quick and easy to use Reviewed on: 28th March 2022

Top company, easy app and no fuss banking.

Easy to use app and application was fast and easy and was up and running working days of application. Reviewed on: 28th March 2022

Excellent experience with Zopa

I used the Zopa credit builder card to help boost my credit score, in advance of going for a mortgage; Zopa explained how it all worked which wasn't so clear with other providers, and their app helps both keep up to date with your spending as well as adjust payment options as necessary, plus has the added bonus of being straightforward to use. I cannot recommend these enough! Reviewed on: 28th March 2022

Freedom of zpending, freedom of living your life caring for things matter to you the most

I can manage use of my money choosing how little at a time I can repay it back Reviewed on: 28th March 2022

Payment

Easy and guick and always have something new to give it for customers Reviewed on: 28th March 2022

Great card management

Transparency and clear in all aspects Reviewed on: 28th March 2022

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