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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)

Great news

More happy to help great people Reviewed on: 25th January 2022

Superb

Easy to access, great service. Excellent experience Reviewed on: 25th January 2022

I'm still a zopa noob

Haven't been with zopa long but everything is clear and the app is so easy to use. Reviewed on: 25th January 2022

Zopa is best and give financial freedom

Zopa is great place to start financially and so helpful and updates come quickly and efficiently Reviewed on: 25th January 2022

Speedy service great app

The application process was simple and quick. The card arrived within 5 days. The app is very easy to use and everything is pretty well thought out and in a logical place. Overall a very good service and an awesome app. Keep up the good work and thanks x Reviewed on: 25th January 2022

Best company to xhoose

I am using Zopa credit card which enable me to build my credit . It is not like others promises, I have experienced it and I will keep going on it. Highly recommended Reviewed on: 25th January 2022

A fantastic company

Zopa are just fantastic,the app is fantastic so easy to use , communication is fantastic, clear easy to understand statements , you can follow what you spend at a click of a button and a big plus is no pushy phone calls if your happy there happy , I would recommend zopa to anyone just fantastic Reviewed on: 25th January 2022

Fantastic experience

I’ve had so far a very nice experience since I’ve got my zopa credit card , its so easy to use and i must say communication with customer service is 1A , they’ve answered all my questions and have been very nice an attentive… I would ultra recommend zopa to anyone who’s looking forward to build their credit score and get started with their credit life … Reviewed on: 25th January 2022

Just what it says

Good app for your card easy to understand one of the cheaper rates and helps to get your credit rating on track Reviewed on: 25th January 2022

Mr

im so hapy to using online option and serwis Reviewed on: 25th January 2022

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