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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)

Fair and reasonable

Fair and reasonable with initial credit limit and then very rewarding after showing ability to manage my account responsibly. Reviewed on: 9th April 2024

Good product.

Good product. Good service. I am glad that I am a client. Reviewed on: 9th April 2024

Good card.

Good card. Good starter limit. Quick limit increase Reviewed on: 9th April 2024

I've been using ZOPA for the past 2 years.

I've been using ZOPA for the past 2 years. No let down. Reviewed on: 9th April 2024

My debt survival

The 0% balance transfer was very handy for me to sort out my bills in critical time. It afforded me to break even in my debt management and also enhanced my credit rating which ultimately allowed me access for better loans. Reviewed on: 9th April 2024

Great service

Great service from day one, to present day nothing to much trouble Reviewed on: 9th April 2024

Spoke to them with problem not interested basically.

Spoke to them with problem not interested basically. Must try to clear my balance instead Reviewed on: 9th April 2024

Enjoyment

I enjoy the credit card experience with zopa Reviewed on: 9th April 2024

Very friendly service quick acceptance good starting...

Very friendly service quick acceptance good starting rate Reviewed on: 9th April 2024

My experience has been a positive one, from arrangin...

My experience has been a positive one, from arranging my loan to payments to suit me. Zopa always send notifications of help and support and reminders as to when payment is due. Zopa has helped me keep on track of my spending and utilising their app has been a massive help. This is really useful and easy to navigate around. Reviewed on: 9th April 2024

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