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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)

Helpful.

Happy whit your product and easy to use your app Reviewed on: 28th March 2022

Easy

Easy to.make.a.payment and its instant Reviewed on: 28th March 2022

Easy to use as it is to spell zopa

Had a loan first then use there credit card now everything fast and up to date straight away Reviewed on: 28th March 2022

Top App

Very smart and easy to use the best bank Reviewed on: 28th March 2022

Trust.

I have held a zopa account for six months with a limited credit amount of £600. I understand that the customer must build trust with the provider however, I would argue, regardless of credit rating the provider must also learn to trust their customers. No person intentionally enters into dept and will do their up most maintain a good relationship with the agency's. I feel however, the lack of trust from zopa has restricted the credit limit they have provided me. I use credit for monthly spending and clear balances every month, however with this lower limit it appears that my utilisation of credit is above 30% every month for this account, something I do not appreciate being portrayed to other credit agency. I therefore do not currently use this account. I do appreciate the simplicity of the service and that they offer other capabilities such as the saving account but due to the restricted credit limit I have given a lower rating. Would advise a more in-depth customer rating that is not solely based on credit score. Reviewed on: 28th March 2022

Straight forward to use and excellent service

The app is so simple to use and customer service is too class. A responsible lender who keep you updated on credit score etc Reviewed on: 28th March 2022

Best Bank Ever

I have had this credit card and it’s the best one I have ever had!!! Best customer service aswell Reviewed on: 28th March 2022

Amazing service

Best credit card and automatically increased my credit limit Reviewed on: 28th March 2022

On track

Leads to improving credit file when guidelines are followed. Reviewed on: 28th March 2022

Excellent credit card

Applied for the Zopa credit card I was accepted and got my card within 3 days excellent customer services could not do enough to help me highly recommend this card Reviewed on: 28th March 2022

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