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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% increase in 5 star reviews

in the past 90 days

200% 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

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43504)

Great experience

I have found Zopa to be a very easy and fair company to deal with. They have an excellent customer service team who are very knowledgeable and eager to help.I would definitely recommend them. Reviewed on: 26th January 2022

Clear & Easy

Everything is in plain English and is easy to understand, making payments on my balance could not be easier and the app makes monitoring my spending a very simple thing to do. Consumer friendly, which is quite often not what businesses achieve these days, but Zopa certainly has! Reviewed on: 26th January 2022

Great product

Easy to manage credit card with a very simple app to maintain account Reviewed on: 26th January 2022

Recommended for everything

Very helpful n reliable to assist Reviewed on: 26th January 2022

Helped me when others wouldn't

I've recently came out of a 10 year marriage and my credit wasn't in a good place. Zopa offered me my first credit card. I was over the moon and its really helped grow my credit score. The app is easy to use and customer service has always been professional. Very happy customer Reviewed on: 26th January 2022

Simple and user friendly

Simple and easy to apply for products and simple user friendly mobile app Reviewed on: 26th January 2022

Fantasti

Fantastic bank service second to none app simple and easy to use overall the perfect option Reviewed on: 26th January 2022

Great and easy to use

The credit card app is easy to use and simple to navigate. Very informative to stop you forgetting late payments and has great information to keep you on top of your credit score. Reviewed on: 26th January 2022

Brilliant card and service

Simple to apply for, easy to track your spending. Always informed on what’s happening with your card, payments due etc. 100% recommended! Reviewed on: 26th January 2022

Friendly simple to use

Zopa had an easy to use app. They are a straight forward credit supplier that are there when I need them .they explain everything upfront and it is simple and easy to use. Reviewed on: 26th January 2022

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