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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)

Zopa was the only credit card company that was able...

Zopa was the only credit card company that was able to accept and offer me card amidst my bad credit rating, which reduced my bad credit level rating to better. Reviewed on: 5th March 2024

Only on Zopa.

When I pay extra money to my Zopa credit card it’s showing on available balance straight away..does not take 2 days to show.great. Reviewed on: 5th March 2024

Zopa credit cards

Very professional and easy to deal with and great rates Reviewed on: 5th March 2024

Moneytastic!

Their app is so easy to use, and transparent. Customer service is efficient, professional and timely. Tbh people, would not fault them. Thank you ZOPA! Reviewed on: 5th March 2024

Zopa is the best credit company they will not take m...

Zopa is the best credit company they will not take much more interest rate happy to use Reviewed on: 5th March 2024

Worth it

Reasonable interest rates. Great communication. Worth it Reviewed on: 5th March 2024

Very easy to deal with.

Very easy to deal with. The application process was quick. The interest rate was made clear from the start. I have recommended zopa to people that I know and they are considering applying as well. The credit limit I was awarded was higher than I thought I would be eligible for. Reviewed on: 5th March 2024

Easy application process, detailed simple to read on...

Easy application process, detailed simple to read online statements. Reviewed on: 5th March 2024

Good service and excellent very nice customer servic...

Good service and excellent very nice customer service will happy Reviewed on: 5th March 2024

Zopa has a good services with rapid response team...

Zopa has a good services with a rapid response team and delivery of credit card was super fast. Very informative and helpful with a good rate. I will recommend Zopa to anyone who is interested in growing their credit score. Reviewed on: 5th March 2024

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