Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

View other Zopa products

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

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 (43503)

Great company

Very easy application process and the app is brilliant and makes it very easy to manage your account.would definitely recommend. Reviewed on: 17th March 2021

Simply does it

An easy, efficient and smooth process to be up and running with this new Zopa credit card, it couldn't have been easier. Complete with phone app and notifications, it's doing exactly what it says on the tin! A very satisfied customer Reviewed on: 17th March 2021

Second chance

My financial hardship started when my husband lost his job after 11 years, no financial payout, with too young children, l had to work full time, sorting our finances out, bank transfer which had just been introduced was the option chosen Given the year the financial chaos all sound great nothing to do the bank sort it, not mention in this bank transfer the facilities weren’t like for like, would be assessed after 6mths, the start of our financial nightmare, to try to replace my husband wage, payday loan, door step loan, where the new thing, shops apply on line, worked for a while, until paying back the interest was mid leading, financial ombudsman had to intervene, re mis sold credit, ppi. With all of the above issues, not a big amount of disposable income, poor credit status, would have no chance with the high street banks by checking online, came across Zopa think the add mentioned a card for the people, so l applied not expecting to be accepted, the result came back, no way l said £400 credit limit accept, this was my second chance to rebuild my credit score, which today plays such a big as to who will lend you money to improve your life, such a handy card, easy payments updates, tips to help save too. Thanks has made a difference Reviewed on: 17th March 2021

Love zopa

100% recommend zopa great app,easy to use everything upfront and straightforward x Reviewed on: 17th March 2021

The best

Thanks your amazing and I will be using u g do or years to come Reviewed on: 17th March 2021

Good no nonsense bank

Easy to use with no rubbishy jargon! Reviewed on: 17th March 2021

Easy Application to complete and good customer service

ZOPA has helped me immensely to improve my credit score and is an extra safety net should I need a little help before pay day...would highly recommend 100% Reviewed on: 17th March 2021

Good service

Fasr credit card,easy and beter credit reatibg Reviewed on: 17th March 2021

Great card

Easy to use great app and would recommend to anyone Reviewed on: 17th March 2021

Zopa all the way

Zopa credit card is a unique product tailored to fit your individual circumstances Reviewed on: 17th 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

Aqua credit cards
from NewDay 4.89 from 3307 reviews
Credit card
from Nationwide 4.01 from 210 reviews
Credit Card
from Ocean Finance 4.76 from 19 reviews

Want to see more from Zopa?

Current account
from Zopa 4.94 from 5953 reviews
Cash ISA
from Zopa 4.94 from 1539 reviews
Personal loan
from Zopa 4.94 from 68054 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