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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)

Fantastic to use

Bit slow on offering credit increases Reviewed on: 25th January 2022

Super fast and efficient service

Of all the cards I have zopa seems to be the best I use and it's money available almost immediately once paid. Highly recommended Reviewed on: 25th January 2022

Good service

Really helpful customer service Reviewed on: 25th January 2022

Excellent company

Easy to use app. Excellent service. Would reccommend. Reviewed on: 25th January 2022

Great credit card

With Zopa if you fund it the funds reach your account within minutes. Reviewed on: 25th January 2022

Brilliant

Excellent experience. Great customer service team. Reviewed on: 25th January 2022

Top Quality credit card

Very easy and simple to go through the website to apply and the app is very self explanatory to navigate through Reviewed on: 25th January 2022

Great bank with great services and an app that makes life easier.

Really good bank who do a great job with responsible lending. The app is great and gives me all the information I need and keeps me on track with my credit report and affordability rating. Reviewed on: 25th January 2022

Excellent Company

Excellent company always put their customers first. Reviewed on: 25th January 2022

Zopa is great

I love how they provide with the right amount of interest Reviewed on: 25th January 2022

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