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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% increase in 5 star reviews

in the past 90 days

200% 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

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th April 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 (43504)

Brilliant

Quick and easy and helpful good experience Reviewed on: 7th April 2021

Absolutely fantastic company

I’ve never experienced difficulties but know if I am Zopa will support me no matter what. Reviewed on: 7th April 2021

Excellent and straightforward

Very easy to use App covers all you need. Very happy Reviewed on: 7th April 2021

Great service

I have banked with Zopa for about 6 months now. They’re application process is easy and hassle free. They have a fantastic app that alerts you to transactions, you can set up a direct debit or pay directly though the app. I can say I’ve never had a problem with them at all Reviewed on: 7th April 2021

Great credit card

Brilliant provider Great app Total control of your card and finance Reviewed on: 7th April 2021

Life saver

I apply to this card when I was in a real struggle due to Covid And it saved my life, very easy to use very easy to manage I’ve had no problems at all Reviewed on: 7th April 2021

Brilliant!

Easy to apply and easy to understand when payments are due. Good layout. Reviewed on: 7th April 2021

Great

Great account to rebuild credit etc Reviewed on: 7th April 2021

Great Card

Easy to apply for good rates and app is great too Reviewed on: 7th April 2021

Very friendly

Very easy to use card and friendly and understanding and polite customer service Reviewed on: 7th April 2021

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