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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44350)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Fantastic company

Found it hard to build my credit file back up after mistakes in my youth. Zopa has helped me with this couldn't say enough about the company. Have been fantastic in my experience Reviewed on: 15th January 2025

Fantastic!

The timely feedback and updates to improve the credit score really helped me to work my credit score up to the next band progressively. Reviewed on: 15th January 2025

It’s a great card specially if you want your credit...

It’s a great card specially if you want your credit score to go up , mine gone up 110 points just by paying it off each month , that’s also opened more borrowing power for me so yeah if you can get a Zopa credit card Reviewed on: 15th January 2025

Have found Zopa to be straight forward and simple to...

Have found Zopa to be straight forward and simple to use. When i have had to ring them they have answered quickly, and explained everything i needed to know. I was enquiring about a loan, at the time. They explained all there was to know about it. They answered all my questions in a professional manner, i was very impressed. Reviewed on: 15th January 2025

Zopa credit card

I’ve never had a problem with Zopa credit card Reviewed on: 15th January 2025

Easy to deal with always easy to review everything v...

Easy to deal with always easy to review everything via the app Reviewed on: 15th January 2025

Excellent customer service, and value for money

Excellent customer service, and value for money Reviewed on: 15th January 2025

I have been with Zopa a while now and found no issue...

I have been with Zopa a while now and found no issues and its easy to use and the app is informative Reviewed on: 15th January 2025

Easy, fast and straightforward application.

Easy, fast and straightforward application. Easy and clear app. Reviewed on: 15th January 2025

The Perfect Modern Credit Card!

Zopa’s credit card is fantastic—simple, transparent, and user-friendly. The app makes tracking spending easy, with real-time updates and flexible repayment options. Competitive rates and excellent customer service seal the deal. Highly recommend! Reviewed on: 15th January 2025

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