Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41965 reviews)

View other Zopa products

4.93

Based on 41,965 reviews, last reviewed 23rd Jan 2026

166400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good service Very good service, never any need for calling them. Reviewed on: 23rd January 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41965)

Zopa

Exceptional communication of credit situation, easy to use application and easy to understand language Reviewed on: 10th April 2021

Thank you

I found applying for my loan and credit card was quite easy and staff handling queries were good at responding . I found Zopa a responsible lender. Reviewed on: 10th April 2021

Highly recommended

Easy to use app,informative,no problems Reviewed on: 10th April 2021

Excellent service

Love it great service, customer service is so quick to sort out your query Reviewed on: 10th April 2021

New Company so yet to be fully tested

Everything about this card is good although the APR could be better. That said I found the application process, account and app set up quick easy and very manageable. As my review title says though Zopa appears to be a brand new company so has yet to prove how good they are with other aspects of the account, customer service and how helpful they may be should things go wrong. To date though Zopa seems like a good company. Reviewed on: 10th April 2021

Great credit card provider , great rates and good customer service.

I was accepted with good rate despite not having an excellent credit. Reviewed on: 9th April 2021

Awesome service

They are the best for people who need to start their credit or ones with poor credit. Reviewed on: 9th April 2021

efficient and proffassional

fast and no issues. credit limit starts off low but this is the best way Reviewed on: 9th April 2021

Aplication

First time on this platform, but good so far Reviewed on: 9th April 2021

ZOPA

Great service and great product in combination with a very generous credit limit, makes ZOPA the right card to have. Reviewed on: 9th April 2021

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Balance Plus
from Capital One 3.56 from 3 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Credit card
from Nationwide 4.12 from 204 reviews

Want to see more from Zopa?

Current account
from Zopa 4.97 from 2380 reviews
Cash ISA
from Zopa 4.95 from 1453 reviews
Smart Saver
from Zopa 4.94 from 7488 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub