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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44340)

So far, perfect service and a great product

See above. Reviewed on: 18th March 2021

Zopa is amazing, wish I found you guys sooner.

Accepted with zopa for a credit card and car finance the other day, their customer service is off the charts. Amazing, well done guys you deserve to win this only had negative experiences with other providers. Reviewed on: 18th March 2021

Excellent service very pleased

Very good app looking forward to staying with Zopa Reviewed on: 18th March 2021

great easy to use service

easy to use service there when needed Reviewed on: 18th March 2021

Helpful

Supportive of you and your situation Reviewed on: 18th March 2021

Refreshingly competent

Of all the Credit Cards I have had and Credit Card companies I have dealt with, Zopa is the only one that stands out as being genuinely different...and far, far better. Their customer services department are excellent, the mobile banking app is straightforward and easy to navigate. and overall dealing with Zopa is refreshingly simple rather than complicated and frustrating as it is with all other financial service providers now days. I highly recommend Zopa. Reviewed on: 18th March 2021

excellent service

when I applied for a Zopa card it was simple and no issues prompt service Reviewed on: 18th March 2021

Super easy to set-up and use

Great card, easy to use with a great app and customer service. Also, not loads of spam emails just enough to let you know they are working hard behind the scenes. 10/10 Reviewed on: 18th March 2021

Outstanding

Very Good customer service , excellent experience, very good value. Reviewed on: 18th March 2021

Outstanding

Unfortunately after some difficult times I have found myself in debt (although paying them off I still find my credit rating to be extremely bad). I found myself applying for a zopa credit card to which I was accepted with a small credit limit of £200. I have only been impressed by Zopa. Their advisors are extraordinary and non judgemental, they really go above and beyond. I felt so at ease speaking with them and their application is so easy to work. With a glimpse of your credit rating and factors that go into it at a click of a button is amazing. It puts it all into one for me. I have never received such good service like it. I wish I knew about them from the get go instead of going with other companies to which I have had plenty of issues with and complaints not taken up. I feel like I’ve found myself a gold mine. The best most friendly company I’ve interacted with and I will definitely be with them for the long run whilst they grow and be spreading just how amazing they are. Once I pay off my other credit cards ZOPA will be the first one I’ll have no doubt about keeping an account open with. Happy to becoming a long term customer of theirs. There may be other banks chosen as zopa is not very heard of yet, but I want their company and their people to know that they ARE the BEST and they are the future. Their day will come. Thankyou for everything. Reviewed on: 18th March 2021

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Zopa: Credit card reviews

36% increase in 5 star reviews

400% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Zopa: Credit card now

Best credit card provider 2025

Zopa Credit card reviews (44340)

So far, perfect service and a great product

Zopa is amazing, wish I found you guys sooner.

Excellent service very pleased

great easy to use service

Helpful

Refreshingly competent

excellent service

Super easy to set-up and use

Outstanding

Outstanding

Do you have a different Zopa product?

Want to see more from Zopa?

Cash ISA

Personal loan

Current account

Join Smart Money People

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