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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)

So simple

Just a simple credit card, Great app easy to use Reviewed on: 17th March 2021

Mr Wood

Great customer service well worth applying Reviewed on: 17th March 2021

Simple and quick process

Very easy to apply and setup from start to finish Reviewed on: 17th March 2021

Customer Experience

Easy application process, user friendly and easy to navigate app, super efficient resolutions from customer service team. Friendly, down to earth service. Thank you! Reviewed on: 17th March 2021

Great credit card

Easy to use and nothing hidden, perfect for building your credit rating Reviewed on: 17th March 2021

Different to the usual

I'm really impressed with Zopa. They don't feel like the usual credit card company who are only concerned with charging interest, Zopa seem more concerned with making your credit score better. They send regular notifications telling you how your credit score is doing and how your borrowing power has changed. It's simple to use, simple to pay and easy to navigate. I'm very impressed Reviewed on: 17th March 2021

Professional service

Very good service with a professional attitude. Reviewed on: 17th March 2021

Helped me when no one else would

I messed up a few years ago and ruined my credit score. Took me a few years to clear a debt. I was looking for a credit card in order to repair my credit by using the card for a few expenses then paying off the balance in full every month. I'm probably not the kind of customer these guys want but thanks for giving me a chance Zopa. In regards to the card, the app is very good. I've had to contact their customer service team a couple of times being a relatively new customer and nothing but great. I would recommend this company! James Reviewed on: 17th March 2021

Reliable and informative

easy to read information at your fingertips! Everything you could need from an app and credit card! Reviewed on: 17th March 2021

Perfect easy banking

Easy to navigate app, excellent customer service Super stylish card. Great communication Reviewed on: 17th March 2021

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