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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Great service

Zopa is great company to use credit card with, Their services are really good. Reviewed on: 15th January 2025

Good rate and service.

Good rate compared to others easy to keep check of my account and spending. Reviewed on: 15th January 2025

Quick and easy to apply for and app is easy...

Quick and easy to apply for and app is easy to use Reviewed on: 15th January 2025

Good card but credit never goes up even after 3 year...

Good card but credit never goes up even after 3 years even though paying on time and never late Reviewed on: 15th January 2025

I have not had to use customer service so I had to p...

I have not had to use customer service so I had to put neutral. I've never had a problem. The only thing that bites me a bit is not everyone and everywhere accept credit or debit cards. Infact in Ripon there are a few shops and takeaways that have signs saying cash only also if your buying privately off market place you need cash. As I settle my account in full every month I can't see the problem in whether I withdraw cash I pay the charge. But that's just my personal opinion. Otherwise I'm very happy with Zopa Bank and the app is so easy not getting updated and messed about with every week like most apps. Keep up the great work Reviewed on: 15th January 2025

Excellent credit card and good rates

Excellent credit card and good rates Reviewed on: 15th January 2025

excellent

they were there exactly when I needed them. Reviewed on: 15th January 2025

Excellent service if you have a poor credit score an...

Excellent service if you have a poor credit score and history Reviewed on: 15th January 2025

Can't ask for any more

Fantastic all round can't possibly say anything else everything exceptional Reviewed on: 15th January 2025

User friendly and I enjoyed the saving facilities it...

User friendly and I enjoyed the saving facilities it’s quite encouraging to improve the credit score.i think this the right way to go Getting Zopa on board besides having bad credit you can build your own borrowing power and you can see your achievements on the app which is wonderful Reviewed on: 15th January 2025

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