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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)

Great company

I was looking for a credit card to help build my credit score, Zola accepted me and if December and my credit score is slowly coming together now. So thanks Zopa Reviewed on: 7th April 2021

The most understanding company

Truly the best and most empathetic credit card company I have ever come across Reviewed on: 7th April 2021

Great app

Great app with great credit card features. Reviewed on: 6th April 2021

You can bank on Zopa!!

Fantastic APR and also fantastic customer service I see this company going from strength to strength and I am Very proud to be a customer. Reviewed on: 5th April 2021

Excellent all round

App is excellent. Clear, easy to use and understand 5 star service Reviewed on: 5th April 2021

Amazing

Found it hard to get a credit card to improve my credit, was accepted very quick and brilliant company Reviewed on: 2nd April 2021

Easy to use and low fees

This card is really easy to manage via the mobile app, and they don’t charge any hidden fees. A really good experience. Reviewed on: 31st March 2021

no fuss credit card

quick to apply, simple app and texts to help control your spending, and peace of mind security .recommended Reviewed on: 31st March 2021

Excellence

Fast and reliable first company to see do all sort of work very quick APP IS GREAT AND SYSTEM IS VERY FAST NO 24H DAYS WAIT Reviewed on: 30th March 2021

shocking

dont care about their own customers Reviewed on: 29th March 2021

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