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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)

Excellent service

Straight forward and great service all round Reviewed on: 25th January 2022

Fabulous service, easy to track

Zopa provides a very accessible credit card with a supporting app that works in real-time that makes it easy to track spending and available credit. Reviewed on: 25th January 2022

Easy to use, make payments and good customer service

Perfection in one box. Everything is easily displayed. Customer service is easy to contact. Anything you need can be found in the app! Best credit card provider I’ve come across Reviewed on: 25th January 2022

Responsible lending

I get a credit limit that I can easily manage and a great app to keep track of my account and make repayments Reviewed on: 25th January 2022

Excellent

I like that when i pay, it shows up straight away on the available balance. Reviewed on: 25th January 2022

Zoppa card

Easy to use and easy to manage via the app Reviewed on: 25th January 2022

Good card but only been given a very low credit amount. Been with them over 1 year and not received a credit increase

As above but credit limit too low and even after 1 year have not been offered a credit limit over the £200 I was originally given Reviewed on: 25th January 2022

Nice App, Great Customer Service

I found the set up and install of the APP really easy to do and the account settings and features are easy to navigate and stright forward. The online chat was quick and responsive and overall very pleased with the service and use of the card. Reviewed on: 25th January 2022

Simple

Overall an easy card to deal with compared to other cards. System updated regularly Reviewed on: 25th January 2022

Zopa brilliant

I think zopa is absolutely great very cheap compared to some and the app is so easy to use Reviewed on: 25th January 2022

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