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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44348)

1st class

Professional and easy to use app, makes it ideal Reviewed on: 27th January 2022

Great service

Fantastic service best card Never a problem Reviewed on: 27th January 2022

Simple, straight forward and helpful

No hassle, app is perfect. All round a good lender Reviewed on: 27th January 2022

Brilliant company

Fast quick and very good service Reviewed on: 27th January 2022

Completely professional and helpful.

Easy and quick response application process by experienced and helpful staff. Reviewed on: 27th January 2022

A win for zopa

Very easy to contact and very quick to answer any queeries Reviewed on: 27th January 2022

Superb and easy to deal with

Zopa have been absolutely brilliant for me. Reviewed on: 27th January 2022

Simple

Simple stress free banking I would recommend anyone to join Reviewed on: 27th January 2022

Ok but charge late fee very quick

Less than 24 hours after my payment was due Zopa charged me £12 late fee. I am actually annoyed about this as every other month since I have had an account with them I have paid early. Reviewed on: 27th January 2022

Best credit card provider

A simple and easy to use app that enables quick card setup! Great customer service staff willing to assist where they can. Really would recommend these to anyone looking for a credit card Reviewed on: 27th January 2022

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