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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)

fantastic for credit bulding

brilliant Reviewed on: 26th January 2022

Satisfied customer.

Fabulous service and very straight forward. Reviewed on: 26th January 2022

Very Pleased

Straight forward, fantastic app. Great customer service. Reviewed on: 26th January 2022

Almost perfect

I have an easy experience with Zopa, they have a great app and support my credit building well. I think that in order to be perfect, Zopa would lower their interest rates to support people who are trying to correct their credit and do so in an affordable way. This way, they’re really operating with their customers benefit in mind. Reviewed on: 26th January 2022

Awesome Customer service

Excellent customer service, great user-friendly interface. Zopa is my first credit card and I have been able to manage my finance with the low credit limit I was awarded, I hope to get an increase in my credit limit in 2022 as soon as possible. Thank you Zopa Reviewed on: 26th January 2022

Great service, easy to use

A really easy experience. Fast application process. Got my card quickly. Activation and PIN done on the app. Transaction notifications toy phone instantly when I use the card and instant updates on the app when I make payments. A must more fluid system than other cards I've used. Reviewed on: 26th January 2022

Fair

The bank is fair and there credit card is very good Reviewed on: 26th January 2022

Great Service

Had a good experience with Zopa so far, always accurate on statement and always keeping me aware of up to date payments Reviewed on: 26th January 2022

First class

Great customer service and always kept up to date with offers and how my account is looking Reviewed on: 26th January 2022

Wonderful and excellent service provision

Always getting the services, has good interest rates suiting my financial position Reviewed on: 26th January 2022

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