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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)

100% recommended

I have 3 credit cards but ZOPA is simply the best very easy to use everything is clear best service with ZOPA. Amazing apps!!! Reviewed on: 25th January 2022

credit card

it is best one on the market all done on your phone and you get email the staff on the end of the phone are so good and help full Reviewed on: 25th January 2022

Easy and Friendly

Zopa creates a sense of calm and has a modern user friendly product which is often overlook by other providers. They deliver on the promise of straight forward applications and ensure that customers are well informed. Reviewed on: 25th January 2022

Best card

This has to be the best card I've had. No huge repayments or fees. The app is user friendly aswell. Would definitely recommend Reviewed on: 25th January 2022

Brilliant

Brilliant service would definitely recommend to friends and family Reviewed on: 25th January 2022

Fantastic app, fantastic credit advice and brilliant customer service.

Best company I've had a card with. Pay my balance in full monthly. 0% interest and no fees. Simple and easy to use app. Reviewed on: 25th January 2022

Great company!

Great app and card. No problems so far! Would definitely recommend! Reviewed on: 25th January 2022

Zopa is Supa

Loving this new credit card. Helps build credit score. Instantly alerts of any new transactions. Reviewed on: 25th January 2022

First class service

Zopa are smart in the way they lend, never lending for the sake of purely profit & possibly encouraging people in to unaffordable debt. Their eligibility criteria allows for smaller sums that individuals can increase sensibly over time. Top class Reviewed on: 25th January 2022

Simple and easy

Customer service excellent. Card is very affordable and the app simple to use Reviewed on: 25th January 2022

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