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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% 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:

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

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 (43503)

One in a million

Fantastic rates app and customer service Reviewed on: 26th January 2022

Professional and humane bank services

A bank that understands the needs of its customers Reviewed on: 26th January 2022

Wonderful service

It’s so good experience in creating a good way to get a help Reviewed on: 26th January 2022

No fuss credit

All good straight forward very helpful credit card Reviewed on: 26th January 2022

Top class company

Keeps you updated on your spending & payments due every step of the way. Reviewed on: 26th January 2022

Fantastic credit card

This credit card is a great tool the spending notifications are instant, payments apply instantly and it's clear when your due date is etc plus zero foreign transactions fees make this card great for shopping in foreign currency or spending when abroad. Reviewed on: 26th January 2022

The best credit card

Amazing, excellent service Reviewed on: 26th January 2022

Great Apr rate

I have been with zopa for 2 years now and never once had a problem with using or paying with them they offered me a great rate and I found it very easy to apply and so easy to manage my credit with the zopa app. I have recommended everyone I know about zopa because I find them to be one of the best when it comes to trying to get credit with a poor rating like I had Reviewed on: 26th January 2022

Great company

Very easy to work with really good and understanding how everything works Reviewed on: 26th January 2022

Very useful

Very good support in hurt days. Reviewed on: 26th January 2022

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