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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)

Customer friendly & focussed

Everything about Zopa has been ‘easy’, navigating through the website/app has been a breeze and all important information is at my finger tips. Everything is transparent and customer focussed. Reviewed on: 25th January 2022

Greatest bank on earth

I’ve Been using Zopa for a year now and find the card and the app really easy to use, when paying the money back on the card it’s instantly paid and ready to use again, most cards you have to wait a week before it shows on your balance Reviewed on: 25th January 2022

Zopa a breath of fresh air!

I really lie Zopa and can recommend my experience with, I had poor a poor credit score and applied to them and since becoming a customer I have gained their trust and my credit limit and credit rating have both increased, so a win-win. Reviewed on: 25th January 2022

Amazing

Well I’ve never bin good with saving money but I was offered a credit card which is a big help and they have no offered a smart saver which is linked to my account to save for new car rainy day funds so every little spare change I have goes towards and I’m now seeing the rewards Reviewed on: 25th January 2022

Helping hand

My credit rating was poor and was in dire straights.. Zopa really helps me keep on top of my spending and also helps me stay on track. My life saver x Reviewed on: 25th January 2022

Excellent

I’d happily recommend Zopa to anyone who is looking for a new credit card… brilliant support from the moment you are onboard Reviewed on: 25th January 2022

Excellent provider always supportive

Excellent service keeps your finances in check giving that Little bit of freedom without allowing over spending. 5* Reviewed on: 25th January 2022

Highly recommended

Quick and easy application process, easy to manage account within the app, lots of useful functions within the app as well Reviewed on: 25th January 2022

Easy app to access and card

I always find having an easily accessible app for a credit card makes the experience so much better, especially for paying or amending details. Reviewed on: 25th January 2022

Why are they all not this simple

Of a number of providers I have used the service is great, the app is the easiest to use and overall it makes it a fantastic experience Reviewed on: 25th January 2022

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