Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

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

Read all reviews See your review

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

Zopa - innovations in finance

I have used Zopa for several financial products over the years and have always found them user friendly and innovative. I currently have a credit card with them and they are great - timely reminders for payments, spending insights etc. My go-to company for financial matters. Reviewed on: 5th March 2024

Zopa are 10 out of 10

Zopa couldn’t have been more helpful in providing me with car finance and a credit card. The App is amazing, help at the touch of a button. I can see what is owed, when my payments are due, I can change my details all in the App, which saves wasted time on the telephone. I would definitely recommend to family and friends, I’d rate 10 out of 10. Well done Zopa Reviewed on: 5th March 2024

Friendly

Friendly fast service easy to understand Reviewed on: 5th March 2024

5 star Service

Zopa have been excellent in a problem I had with a seller I used my card at . Kept me informed along the way and returned the money to my account Reviewed on: 5th March 2024

You have been so helpful to me during my financial j...

You have been so helpful to me during my financial journey, so I will rate you very good to friends and families. Reviewed on: 5th March 2024

Bad credit instantly got loan approval

Bad credit instantly got loan approval Reviewed on: 5th March 2024

I am very happy to be with Zopa and it...

I am very happy to be with Zopa and it is a great time Reviewed on: 5th March 2024

Great communication and easy to use

Great communication and easy to use Reviewed on: 5th March 2024

Very good product, easy to use and great customer se...

Very good product, easy to use and great customer service!never had any issues with them and the 0 charges for overseas spending are a great bonus.the app is easy to use and also has a section which checks your credit score and gives you really helpful insights. Reviewed on: 5th March 2024

Easy to apply and get started.

Easy to apply and get started. Straight forward statements Reviewed on: 5th March 2024

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Classic Credit Card
from Bank of Ireland 4.06 from 6 reviews
Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews
marbles credit card
from NewDay 4.37 from 543 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub