Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43504)

Really enjoy

Zopa is a very straight forward easy credit card to use everything g is so simple and easy to do. The customer service is quick and very polite they have understanding. Reviewed on: 21st March 2021

Fantastic

10 out of 10 highly reckonmend to any one Reviewed on: 21st March 2021

Easy

Easy process app very good kept up to date with everything Reviewed on: 21st March 2021

Quick and easy to apply for

Dealt with me very quickly. Had card within days Reviewed on: 21st March 2021

customer focus

Zopa card management has a professional attitude towards their customers. Reviewed on: 21st March 2021

Great

Nothing but praise, super easy app and no issues at all. Reviewed on: 20th March 2021

Helped me improve my credit score

I wanted to try and improve my credit score, Zopa helps me manage that! Great service guys! Reviewed on: 20th March 2021

Brilliant

So easy to use app is perfect now I just need to win the £1000 Reviewed on: 20th March 2021

Amazing

So easy to use. Really straight forward app Reviewed on: 20th March 2021

Wow, Zopa is THE best bank.

ZOPA This Bank is all about positive psychology, and the scenario here is exactly the same as when you walk into a car dealership and you purchase that special vehicle which is always slightly more expensive than you originally wanted to pay because you want it either fully loaded or the next model up. Now come on, be honest we have all done it. Well, when I saw the power tool combi drill every man would prey for I could not justify shelling out all that money in one go when I am only in receipt of disability and pension funds. But then I thought "Hey, what about my Zopa account, I can spread the cost of it over a little time and that way I don't feel a sting or anything for that matter!" So, that is just what I did and two days later I was like the proverbial kid in a candy store when my new drill arrived. Without Zopa I would still be using my old drill which is approximately 40 years + old and really gone past its sell and use by dates. Well done Zopa, many thanks indeed for helping an old timer continue his passionate hobby for woodworking and not forgetting that huge smile on this old face. As for Zopa, 10/10 what a superb company; now that's what you call a bank which also has in my opinion the best user friendly mobile banking app I have ever seen. Happy days! :-) Reviewed on: 20th March 2021

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit cards
from Virgin Money 3.84 from 802 reviews
Cashback Plus Credit Card
from RBS 4.14 from 8 reviews
Clear Rate Platinum Credit Card
from NatWest 4.51 from 18 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5953 reviews
Personal loan
from Zopa 4.94 from 68053 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub