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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)

Mr J Inglesby

Excellent company sensible credit limits helping people to get back on track ***** Reviewed on: 28th March 2022

Amazing credit card

I am now 40 years old and grew up with the times of technology. Banks and credit cards have not adored and having a Zoopa card is a breath of fresh air. Easy to use app and when depositing money it shows on the account instantly so no late fees or going over your limit. With the added security of being able to freeze and unfreeze your card in an instant adds a great security feature when travelling. Reviewed on: 28th March 2022

Quick and easy

Got my card decision In no time and was up and running almost as quick, the app is easy to navigate. Really happy customer. Reviewed on: 28th March 2022

App

The online app is so easy to use Reviewed on: 28th March 2022

great

great company easy to deal with you Reviewed on: 28th March 2022

incredible effieciency and simple to work with for all.

very simple and effective way of having full control over finances and getting a clear overview. Reviewed on: 28th March 2022

I'm glad I'm in Zopa

It is a very serious company, the application works very well and is very simple to use. I am very satisfied since I use Zopa Reviewed on: 28th March 2022

Simple application

Simple application, good rates , totally recommend, Reviewed on: 28th March 2022

Easy to set up

Easy to apply for, set up on phone app, easy to make repayments. No complaints Reviewed on: 28th March 2022

Easy contact, highly recommended bank

In my experience Zopa's customer service is second to none. Any time I have needed to contact them it has been quick with easy and any issues sorted effortlessly Reviewed on: 28th March 2022

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