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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)

Responsible lending

Fast decision with responsible lending. Easily managed through the App. Great product! Reviewed on: 26th January 2022

Zopa helped turn my life around

Zopa have played a part in me beginning to turn my life around after many years with bad credit. Thanks to Zopa accepting me and me paying my statements on time, I am starting to see an improvement in my credit score. Plus, it is very handy to have. Reviewed on: 26th January 2022

Straight forward and easy to use credit card

Good and easy to use credit card for your every day needs recommended for all. Reviewed on: 26th January 2022

BANKING WITH EXCELLENT

Very good and accommodating bank.Top notch customer service experience.Will recommend it anytime. Reviewed on: 26th January 2022

Quick,easy,modern

Simplicity is key in today’s market and Zopa do just that! Easily log in, easy payments and super simple to she what you are spending and where Reviewed on: 26th January 2022

Amazing Experience so far!

They have no hiden charges and payment are updated straight away unlike other credit facilities that take couple of days to update their customers account. The security of their app is well monitored! I have never experienced any technical difficulties with my app since being a customer. Reviewed on: 26th January 2022

Easy and affordable

Very easy to get approval with good sum of money no matter your credit ratings Reviewed on: 26th January 2022

Great service, always up to date info and news. Love reminers.

I have nothing other than to say outstanding. I was recommended to Zopa, I wish I joined sooner. Well I am here now and that's what counts for me. Reviewed on: 26th January 2022

Absolutely rubbish customer service, avoid this company like the plague

Sick of the IDIOT “bot” and your online staff are RUDE Reviewed on: 26th January 2022

Very good

Good service great service .better communication Reviewed on: 26th January 2022

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