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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)

Fair

Great assessment of my financial situation. Even when I have had a loan refused, I look back and agree that they made the correct decision for me at the time. Responsible lenders are a ‘credit” to the industry. Reviewed on: 25th January 2022

Not the best but not the worst

The app is easy to use it keeps you updated on your spending and balance and is also easy to pay balance at any time, only downside to them is they only check your usage once a year to see if you are eligible for any increase in credit, where as most others review accounts 3 or 4 times a year. Reviewed on: 25th January 2022

Fabulous

Easy payment, informative and intuitive. Reviewed on: 25th January 2022

:) Very good easy

Very good easy to get, easy to use and straightforward. Brilliant Reviewed on: 25th January 2022

Zopaaaaaaaaaa

User Friendly App, payments are credited swiftly to Zopa account on same day. Contactless. Reviewed on: 25th January 2022

Brilliant credit card

Just so easy to use no hidden fees easy to set up a direct debit as well Reviewed on: 25th January 2022

My best credit card

I recommended to my friends and family Reviewed on: 25th January 2022

Excellent

Zopa helped me out in an emergency. Quick and easy to apply and the app is simple to keep up to date on your spending and payments Reviewed on: 25th January 2022

Fantastic service

Good card but my credit limit very less Reviewed on: 25th January 2022

Easy

Found zopa to be so easy to use and deal with. What a fantastic combination. Never did i think i would write a review for a credit card company, but here i am and am a happy and grateful customer. Reviewed on: 25th January 2022

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