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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)

Fast and quick

Checks and acceptance super quick Reviewed on: 18th March 2021

Useful spend limit

I applied mainly to improve my credit rating and Zopa immediately gave me a very good spend limit. The card and pin turned up quickly in a plain envelope. The card itself is an interesting design in that the card number is not stamped, as most cards are. All numbers and digits are printed which ensures that the card is much more readable in bad light, and the card should last longer as the numbers remain more legible for the life of the card. I personally am impressed by this and hope that other card issuers follow this lead. Reviewed on: 18th March 2021

Yet to be beaten!

Good friendly and straightforward service Reviewed on: 18th March 2021

Amazing, fair and easy to use

This company has mastered the card and the app. The app is easy to use and navigate around. It shows you exactly what you need to see. When making a payment by debit card you do not have to wait 3-10 working days, it’s added to the card and straight away. This card gives you a choice of payments with no fuss. I would strongly recommend to others. No messing, straight forward, good rates and a cute card. Reviewed on: 18th March 2021

Easy to use

Quick efficent not complicated no silly fees & it does wot it says Reviewed on: 18th March 2021

Credit Card made simple

Instant transactions both ways. Frustrating when a credit card can process purchases instantly but takes days to add a repayment to your balance. This one is different, repayments are’s credited instantly so you know exactly where you stand. With a simple easy to use app that actually does what you want. Reviewed on: 18th March 2021

Great service

Great service and great communication Reviewed on: 18th March 2021

Simple and helpful

The most amazing part of Zopa is the speed in which it works. The fact that as soon as a payment is made it’s seen on your account. Simple but really nice. Reviewed on: 18th March 2021

Is perfect.I recomand to all my friends and my family

My experience was amayzing.Is very eady to use it and is perfect for everibody how need some help Reviewed on: 18th March 2021

A great service

Surprised with the help and advice and great service provided. Very happy. Reviewed on: 18th March 2021

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