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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)

A great, fair 2nd chance

I haven't been the best for credit but zopa has given me a chance to build my credit rating. I never thought I'd ever be able to start building my credit again after being in financial trouble a while ago. Great card Reviewed on: 28th March 2022

quick and easy

very well managed app and really easy to use Reviewed on: 28th March 2022

The best card

Is the best card for everyone to have. Reviewed on: 28th March 2022

Easy

Easy to use and pay back, no bad words at all Reviewed on: 28th March 2022

Amazing company

My experience with zopa is one big word “ fantastic. So polite and so helpful. They get you back in control with the amazing app. You can send messages any time knowing Zopa will be there for you. They have made people feel back in control after such a hard time loosing jobs and going through so much stress when covid hit the nation and every one out of pocket thinking how do I get back on my feet but then zopa took a big roll and helped people that need a back up with money and have made people sleep and relax just by feeling zopa was such amazing help even though no one new what was going to happen in covid such a scary time for us all. It’s a amazing feeling watching your credit rating going from the bottom to watching it go to the top again with the help and advice from your own coach and a very professional team. Thank you zopa for every thing you do you are my number one credit card. Thank you. Reviewed on: 28th March 2022

Amazing

Great company and so easy to deal with Reviewed on: 28th March 2022

V easy and convenient

Very easy to use and pay everything is clear and convenient to use on the app.Nice company. Reviewed on: 28th March 2022

Very professional

Very fast and easy process to apply for a credit card, and at a good interest rate. Reviewed on: 28th March 2022

Only one to go for

Easy app to use easy to control best company to ever go for Reviewed on: 28th March 2022

Great credit card

The help and information on the app is amazing and when I needed support the advisor was awesome! I'm very happy with the ease of using the card Reviewed on: 28th March 2022

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