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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)

Easy to use

Easy sign up and very simple and easy to use app Reviewed on: 17th March 2021

Brilliant

Excellent an very simple to use an friendly Reviewed on: 17th March 2021

Easy to use credit card app

Easy to use credit card app and great customer service Reviewed on: 17th March 2021

Quick, user friendly and great app!

I like Zopa! Its a user friendly card with no silly gimmicks and the app is brilliant! I love the way you can pay your credit card via the app and its cleared in as quick as 5 mins! Im using my money wisely which is helping me with my finances! Reviewed on: 17th March 2021

Excellent

This credit card is the best, the app is so fast, every transaction showing immediately. Payments appear on the app straight away. The contact from Zops is very good.. I would recommend Reviewed on: 17th March 2021

Quick and easy financial help

Was looking for a short term loan to consolidate higher interest rate cards and came across Zopa while using ClearScore. Applied the same day and was delighted to be approved within a short time. Reviewed on: 17th March 2021

Amazing

Awesome company haven’t had any issues with using my card Reviewed on: 17th March 2021

Credit cards with people in mind

Its about time we got a company with a bit of give and take and not all take take take! I love the eligibilty tool also which shows you when you may be able to apply for more credit etc. Just a breeze in general. Reviewed on: 17th March 2021

Great credit card

Easy to apply, great app to keep track of spending Reviewed on: 17th March 2021

Very good rates, very convenient as all processed on line and no glitches at all with the app

I was pleasantly surprised Sri the ease of how the credit card can be managed online. Fast, easy app to get used to, lists all what I need to see on spend and payments, clearly had to be the best creditor I’ve used! Reviewed on: 17th March 2021

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