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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)

I have had no problems or issues with my card.

I have had no problems or issues with my card. Has been plain sailing sine applying for and receiving my card Reviewed on: 17th April 2025

Zopa accepted me with no hesitation.

Zopa accepted me with no hesitation. I have been a customer for 2 years my experience has been excellent and would advise anybody to use this company without hesitation. Reviewed on: 17th April 2025

Very helpful !

Very helpful ! Had a problem with my app and got it sorted right away !also got my new card replaced less than a week !! Reviewed on: 17th April 2025

My starting credit limit is low.

My starting credit limit is low and it's yet to be increased. Zopa will get a 10/10 and 5 star from me when they increase my credit limit. Reviewed on: 17th April 2025

Apps so easy to use and keep a check on what you spe...

Apps so easy to use and keep a check on what you spend, very good service Reviewed on: 17th April 2025

Simple and easy.

Simple and easy. I recommend it to my husband and he applied got it and enjoyed Reviewed on: 17th April 2025

I have found Zopa bank very helpful

I have found Zopa bank very helpful professional and understanding of its customers problems and assists them in anyway they can especially in there finnances and loans Reviewed on: 17th April 2025

Easy online use and interest not expensive at all co...

Easy online use and interest not expensive at all compared to most credit cards. Reviewed on: 17th April 2025

Helped me no end.

Helped me no end. Easy, friendly. No stress. Only CC company i can trust. Reviewed on: 17th April 2025

Simple, Transparent and Fast!

I’ve been using the Zopa credit card for a few months now and it’s been a great experience. The app is user-friendly and gives me full control over my spending and repayments. I really like how transparent the fees are – no hidden surprises. Customer service has been responsive the couple of times I reached out. Overall, it feels like a modern credit card for people who want clarity and control. Reviewed on: 17th April 2025

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