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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)

Good

Very good bank work....very good rates on creditcards,and also bank app works really good Reviewed on: 7th April 2021

No issues

I have had my card for a few months, no issues credit is an easy manageable amount Reviewed on: 7th April 2021

Easy apply

Very happy with zopa, it was easy to apply, and not had any problems with them Reviewed on: 7th April 2021

Very happy with service so far

I have had no issues with the app, my credit card and have been really satisfied with the service received. Thank you Reviewed on: 7th April 2021

Helpful, friendly and highly recommended

Zopa have always been a great help. My credit rating hasn’t always been great but they are helping me to improve this Reviewed on: 7th April 2021

Excellent Credit Card and App

Excellent app that allows you to manage your account and possibly improve your credit score Reviewed on: 7th April 2021

Straight forward

Easy to understand app and fast service when you contact them :) Reviewed on: 7th April 2021

Payments

When you make a payment it shows in your account almost immediately Reviewed on: 7th April 2021

Brilliant bank

Nice, quick and simple to use which is what you need in your busy day to day life style. Reviewed on: 7th April 2021

Excellent

Loan and credit card. Both very easy to manage: pay off early Staff always helpful. App very easy to use Reviewed on: 7th April 2021

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