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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)

Perfect Credit Card

I love the instant payment system. When you make a payment, it only takes a couple of minutes for the payment to clear and even start using the card straight away. What an amazing credit card! Reviewed on: 25th January 2022

Easy to use

The app is really good and provides regular updates Reviewed on: 25th January 2022

Very good service

Best service and good rates . Highly recommended Reviewed on: 25th January 2022

Great Card for getting what i want

This is a Great Card , for using when I'm needing to and it'll help build my credit rating , I've used it a few times with not 1 problem at all its helped me purchase a few items when i never had any cash available to me , id like to say thank you to everyone involved in Zopa Credit Cards Thank's alot for giving me the opertunity . George. Reviewed on: 25th January 2022

I appreciate

I like this bank because when I need she was there with me. Reviewed on: 25th January 2022

If carling made credit cards .

Amazing. Gave me a Fighting chance to get myself on the credit ladder. Nice one Reviewed on: 25th January 2022

Excellent customer service

Customer is always put first, excellent customer service and guidance, the new banking kids are here!! Reviewed on: 25th January 2022

Credit rating improved.

I've had a really poor credit rating for the last 20 years as I moved from one insecure job to another. It was so bad I couldn't even get a home broadband. Last year I secured a job with good prospects and Zopa accepted my credit card application. I have to say that they are an excellent company. I have a credit limit of £500 which I have never gone over and having the app I can see my spending, my statement and it makes it so easy to pay off what I owe. My credit rating has improved significantly and I'm going to be applying for a mortgage at the beginning of April. All because Zopa took a chance on me which am incredibly grateful for. Thank you Zopa! Reviewed on: 25th January 2022

Easy to apply

Monthly updates on your borrowing power Reviewed on: 25th January 2022

Excellent bank

Excellent bank Every time I phone up I am more than willing to help out great value for money overall I would recommend this to anybody Reviewed on: 25th January 2022

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