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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43457 reviews)

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4.94

Based on 43,457 reviews, last reviewed 10th Mar 2026

154100% 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:

4

I've had no problems with zopa which I like I've had no problems with zopa which I like Reviewed on: 10th 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 (43457)

Easy, fast and great customer service

Been smooth sailing since the card arrived. No issues at all. App is easy to navigate and use. Reviewed on: 28th March 2022

Brilliant company

Easy to manage my payments effectively with the app which is very handy. A++++ zopa Reviewed on: 28th March 2022

STUNNING SERVICE

ZOPA STEPS OUTSIDE OF THE GENERAL BANKING PRESENTATION AND IN DOING SO IS UNIQUE IN ITS APPROACH BY BEING DIFFERENT Reviewed on: 28th March 2022

Clear and concise financial advice.

I have found the interest rates to be reasonable and Zopa are always giving advice on improving credit scores and making solid financial decisions. The app is so accessible and easy to use. Reviewed on: 28th March 2022

A card that's with the times!!

Fantastic service ! Payments in straightaway. I would highly recommend Reviewed on: 28th March 2022

They gave me a chance

With a poor credit history, I have struggled recently to get credit. Zopa looked past the credit report and I have found things much easier since they took me on board. I went through an IVA from 2016 - 2022 and trying to get back on my feet has been difficult but Zopa have been supportive, encouraging, easy to contact and deal with and very fair. Reviewed on: 28th March 2022

Great card and app

Very easy to understand app tells you exactly what you need to do Reviewed on: 28th March 2022

Highly recommended

Good service! Low interest rates! Reviewed on: 28th March 2022

Great professionals

After years of financial difficulties, Zopa has greatly assisted me with getting my finances back on track. They are very easy to deal with and feel that I'm in good hands. Highly recommend to anyone. Reviewed on: 28th March 2022

Brilliant

Mid 50s ,Zopa are the easiest and quickest way for banking Reviewed on: 28th March 2022

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