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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)

Very easy

easy to use, no frills and great service Reviewed on: 25th January 2022

Amazing service.

Easy and hassle free to use. Constant updates on my available lending power and never any trouble. Reviewed on: 25th January 2022

Very quick company in all aspects

Quick to accept application, when paying off your card it’s on there straight away. Haven’t had the need to call for any help. Reviewed on: 25th January 2022

Best credit card for

Zopa helped me build my credit score and was the first to even give me the chance. Reviewed on: 25th January 2022

One of the best credit cards if no the best

I've been with zopa for years never has a problem the interest rates are fair the app is easy to use and unlike some of my credit cards I can freeze my card for fraud prevention Reviewed on: 25th January 2022

All good

Decent interest rates quick service. No problems so far. Reviewed on: 25th January 2022

Really helpful in times of need

Easy to contact and they do really want to help you stay out of trouble Reviewed on: 25th January 2022

There to help when nobody else would

Zopa give you a chance where nobody else will the application is quick and simple and the account is very easy to manage Reviewed on: 25th January 2022

A very good bank to be with

Which product you choose Zopa makes the process very easy to understand and stress free. Setting up accounts is very quick indeed,that's why I have to give 5 stars for there 5 star service. Reviewed on: 25th January 2022

Simple

Simple and easy to handle and everything is clear and fair Reviewed on: 25th January 2022

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