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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.

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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)

Brilliant provider who helps me improve my credit ra...

Brilliant provider who helps me improve my credit rating but keeping my limits manageable would thoroughly recommend Reviewed on: 15th January 2025

Good credit card...

No problems pay credit card off shows straight away keep you informed good credit builder Reviewed on: 15th January 2025

Truly amazing highly recommend

Well I was accepted with bad credit and boy zopa has been the best credit card I've ever had it's truly amazing and customer care is second to none. Reviewed on: 15th January 2025

Friendly helpful and understanding

Friendly helpful and understanding Reviewed on: 15th January 2025

Being using the card for quite some time and don’t g...

Being using the card for quite some time and don’t get charged like conversion rate etc Reviewed on: 15th January 2025

I have found with zupa great customer service and wh...

I have found with zupa great customer service and what they offer suits my needs I wouldn't hesitate to recommend them to everyone Reviewed on: 15th January 2025

Great Product and Great service - highly recommend

Very easy application, they quickly dealt with a unauthorised payment, easy account management app. Good customer service Reviewed on: 15th January 2025

Quick easy efficient service.

Quick easy efficient service. Customer service excellent. Manageable Reviewed on: 15th January 2025

excellent service very friendly very good service

excellent service very friendly very good service Reviewed on: 15th January 2025

Self esteem

I had a very mediocre to poor credit score when Zopa accepted me. I was just coming out of the other dude of pretty awful time both personally and financially ; not my doing. As simple as this sounds it helped me regain some self esteem and allowed me to move on again. For want of better words I believed they ‘trusted’ me and they’ve been very straightforward to deal with since. Obviously this has also helped improve my credit rating too. Thank you. Reviewed on: 15th January 2025

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