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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)

The perfect card

Easy to use app easy to make payments by lots of methods just a quality product all round Reviewed on: 3rd February 2022

Fairly New Credit Card Customer

I am pleased with ZOPA's incremental approach to Borrowing, I have a modest credit limit but it is easy to control. I have just been advised by ZOPA that I am now eligible to apply for a personal loan, rates are competitive and I will consider. ZOPA seems to be much more flexible than the traditional large banks and building societies. I am very pleased with ZOPA's service to date. Reviewed on: 3rd February 2022

Excellent

It's amazing services and customer service people's are very helpful like a family I said many thanks to zopa team feels to me like a family thanks zopa Reviewed on: 3rd February 2022

So easy to use

I appreciate the choice it gave me a chance to build credit and start to be like every these days who uses cards to pay great always Communicate with good emails good information Reviewed on: 2nd February 2022

Amazing service

Struggled to get a credit card for ages due to my credit file being horrible, paid my bills on time for a year and hey presto. Zopa gave me a good rate and my card was with me within a week with a decent credit limit. Couldn't ask for more. Reviewed on: 2nd February 2022

fantastic

I first saw zopa card and thought i would give it a go I have had real good service from the firm if i have a question its always answered in my opinion it is a good company for my banking needs. Reviewed on: 2nd February 2022

Superb service with an excellent App. Easy to use.

Not one have I ever had a problem with Zopa. I have been really happy from day one. I couldn't recommend them more highly. Reviewed on: 2nd February 2022

Brilliant borrowing

An easy card to obtain and use, customer service always helpful. Reviewed on: 2nd February 2022

Zopa are the best.

Very easy to make payments. They answer straight away. The over all service is very good I did not have any bad experience with them at all the app is so straight forward easy to use and can always pay bills on time and even see statements on there. And check next bill date. Reviewed on: 2nd February 2022

Great service

Am enjoying the app and it’s easy to use and easy to navigate through the process of getting your info on the account Reviewed on: 2nd February 2022

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