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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

70% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44346)

Brilliant customer service

Every encounter I've had with customer services has been excellent and we'll handled by the team. Also I absolutely love the Zopa App, so very easy to use Reviewed on: 29th March 2022

Very quick service

Got approved within 5 minutes and received my card in 4 days Reviewed on: 29th March 2022

Excellent banking

Never had any issues Very happy with the services Reviewed on: 29th March 2022

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

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