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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)

Great online service

Excellent service,only had the card a few months to build up my credit score. Reviewed on: 18th March 2021

Zopa

Great service brilliant to deal with and competitive rates Reviewed on: 18th March 2021

Amazing

So easy to use, and u like any other credit card company, ad soon ad you pay money to them it appears instantly. Reviewed on: 18th March 2021

Easiest banking

I like their instant services. As soon as I paid due its become available to expenses. I don't need to wait two three days for money to clear. Reviewed on: 18th March 2021

service

a bank that's small enough to care if it's service u want give zopa a call Reviewed on: 18th March 2021

Lowest intrest rate

Charges are very low as compared to other cards in the market Reviewed on: 18th March 2021

Best credit app

Every transaction I do they send me instant notification this reduces risk of fraud on my account. Best for every day spending and manageability Reviewed on: 18th March 2021

Amazing!!!

Great app customer service and easy to use card and app. Easy to see your spending abs balance, straight forward banking. Reviewed on: 18th March 2021

Great service

Very convenient, easy to set-up, the app is great. Excellent customer service professional and friendly, would highly recommended. Reviewed on: 18th March 2021

Credit as it should be

From applying to managing your account at your fingertips Zopa has it all. With simple helpful ways to manage and look at your money and spending habits all from the app. The fact that a credit card also monitors your borrowing capabilities and advises you of what’s good and what you need to improve on is simply what we’ve been waiting for from any card company. If another company does do it. Then they aren’t shouting about it, it’s simple and effective and a job very well done! Well done Zopa! Reviewed on: 18th March 2021

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