When I received my card everything was…
When I received my card everything was so easy to set up and start using and I like the fact every time you use the card you get a notification.

Zopa is a financial services company that offers a range of banking products, including current accounts, personal loans, credit cards, and savings options. The company aims to provide consumers with a simple and secure platform for managing their finances through its user-friendly mobile app. Zopa’s services are designed for individuals seeking easy banking solutions with competitive rates and features such as cashback on accounts and flexible savings pots. Targeting customers who value convenience and straightforward financial management, Zopa has positioned itself as a reliable choice for both borrowing and saving. By focusing on transparency and customer satisfaction, the company fosters a positive banking experience that appeals to a diverse range of users looking for effective ways to handle their financial needs.
Zopa consistently receives high praise from customers, boasting an impressive average rating of 4.9 out of 5. Reviewers highlight the ease of application and fast payment processes, with many noting that the service is straightforward and user-friendly.
The transparency of fees and competitive APRs are also frequently mentioned as significant advantages. Customers appreciate the helpfulness of the staff, describing their interactions as friendly and supportive. While the overwhelming sentiment is positive, a few reviewers express disappointment with specific products, such as cash ISAs, suggesting that Zopa may not be as strong in all areas as it once was. Overall, Zopa is celebrated for its efficient service and commitment to customer satisfaction, making it a highly recommended choice for financial needs.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.9 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“It's refreshing to find a credit facility as easy to use and navigate as zopa”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.9 out of 5 (good) | 100 out of 100 | 5.0 out of 5 (good) | 4.9 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Zopa is #1 of 5 on overall rating in this group.
60 reviews of Zopa. Filter by what matters to you.
When I received my card everything was so easy to set up and start using and I like the fact every time you use the card you get a notification.
Easy to apply excellent service
Absolutely brilliant 🤩 I applied for a £3k loan and was all accepted and in my bank all done in 10mins fantastic then a week later I didn’t need the money so I paid the £3k back to them and as it’s within 14 days no extra charges or interest. Definitely would use again in the future if I need some cash lol 👍🏻
Quick , easy and stress free. Help was appreciated when I need it and has an easy app
Quick answers to the questions people ask most.
Yes, Zopa is a legitimate company with a strong reputation, boasting a high customer rating and numerous positive reviews. Customers frequently highlight their transparent fees and excellent service.
No, Zopa is not a scam. Verified reviews consistently show that customers appreciate their straightforward processes and reliable support, making it a safe choice for financial services.
Zopa offers various financial products, including personal loans, credit cards, and savings accounts. Customers commend the ease of application and quick approval times for these services.
Zopa provides competitive APR rates on loans and credit cards, with transparent fee structures. Customers have noted that the application process is simple and payments can be managed easily online or through their app.
Zopa offers customer support through multiple channels, including phone and online chat. Many reviews indicate that their support team is helpful and responsive, assisting customers with inquiries effectively.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Thanks Zopa thanks to you. I could afford my car.
Il never go anywhere else, fantastic and always willing to help. 5 stars from me
I don't know they are cheap or not but they are good, fast and easy and no hidden charges and comfort reliable.i am using zopa since long time
Zopa have been an absolute dream, great rates of interest, fast decision, excellent support, pay off early option. I’ve had three loans with them in the last few years and I wouldn’t use anyone else. The Zopa app compliments their service by being as equally as good. Well done guys!!
I have used zopa for a number of years and are my go to company. The rates offered always very good and affordable, customer services excellent checks are quick and profesional.
Very quick and simple process. The app itself is very easy to navigate and they are always improving on an already top app and services
Thank you for the professional service I received and the friendly voices on the phone.I would recommend Zopa to friends and family. Once again thank you. Brenda Taylor
Instant funds given, great app, easy to use. Excellent communication. Fab and smooth with each loan. Highly recommended.
Zopa loan application process was easy and the loan was in my Bank account as soon as I was accepted, A swift and professional process from start to finish, Thank you ZOPA.
Good service and great website to track your progress.
I’ve borrowed from Zopa several times and the process is a pleasure compared to some other lenders, whilst still being responsible. Would highly recommend.
Only been with you a short time but everything has been so easy
Zopa are a great company for loans. Easy questions and very supportive. Staff are easy to talk to and give you the help if you need any. A 5 star rating from me.
Had a ZOPA card for a few years. As far as credit cards go, ZOPA is OK. I use my card in emergencies or to spread the cost of larger spends. They do what you'd expect. No rewards and low credit limits.
Zopa is a financial services company that offers a range of banking products, including current accounts, personal loans, credit cards, and savings options. The company aims to provide consumers with a simple and secure platform for managing their finances through its user-friendly mobile app. Zopa’s services are designed for individuals seeking easy banking solutions with competitive rates and features such as cashback on accounts and flexible savings pots. Targeting customers who value convenience and straightforward financial management, Zopa has positioned itself as a reliable choice for both borrowing and saving. By focusing on transparency and customer satisfaction, the company fosters a positive banking experience that appeals to a diverse range of users looking for effective ways to handle their financial needs.
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