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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)

Great easy and simple card to use

App is great and user friendly , fast easy money Reviewed on: 28th March 2022

Excellent service !!

What a great card what a great service very very impressed Reviewed on: 28th March 2022

Credit card

Absolutely delighted with zopa giving me a credit card when no one else would.They don't throw credit at you lightly either like most credit companies,always looking at what you can afford first,and for the first time in my life,ime actually managing my finances. Reviewed on: 28th March 2022

great

excelllent customer services great value for money Reviewed on: 28th March 2022

Easy to use & understanding of the product

Not TOO harsh with late penalties Reviewed on: 28th March 2022

Very Very good service

Very Very good service and excellent customer service Reviewed on: 28th March 2022

Quick. Easy. Simples.

From start to end of application and receiving card it was quick easy and efficient. No complaints. Reviewed on: 28th March 2022

Excellent Service

I've really enjoyed the service provided by Zopa. For example, payments are reflected in my account, very promptly, unlike other credit providers that take up to two working days to reflect payments. Reviewed on: 28th March 2022

Easy straightforward and simple to use

I’ve had to contact Zopa once due to checking payment day as I was new and I didn’t realise how to check . So they explained how to do this, they helped me a lot on checking other aspects of my account and how to check other things. So simple to do was my own fault due to strong painkillers. But the adviser was fantastic. So helpful, easy to navigate, easy to pay balance early. I couldn’t be any happier with my credit card company. Definitely can’t say anything bad Reviewed on: 28th March 2022

Great service

Zopa is always a great service and has a great customer service team if needed Reviewed on: 28th March 2022

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