Great easy service
Great easy service. Helpful for credit building. Fantastic app keeps you updated.

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.
Great easy service. Helpful for credit building. Fantastic app keeps you updated.
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.
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.
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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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