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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

Mr Thompson’s experience

Everything is excellent, no cause to grumble about anything . Reviewed on: 6th March 2026

Customer service

Helpful and friendly knowledgeable easy to talk to Reviewed on: 6th March 2026

I have been very impressed with Zopa the only issue...

I have been very impressed with Zopa the only issue I’ve really had was with customer service Reviewed on: 6th March 2026

Very easy very professional can’t ask for anything e...

Very easy very professional can’t ask for anything else Reviewed on: 6th March 2026

Good credit card

Easy to apply and fast approval and this was a good thing for me because this credit card really helped me. Reviewed on: 6th March 2026

Easy to use,no payment issues,the credit card app is...

Easy to use,no payment issues,the credit card app is easy to navigate as well. Reviewed on: 6th March 2026

The Zopa Credit Card is a modern and straightforward...

The Zopa Credit Card is a modern and straightforward option for people in the UK who want better control over their finances. Through the Zopa mobile app, users can easily track spending, manage payments, and monitor their credit score in real time. One of the key benefits is its competitive interest rates compared to many traditional credit cards. Recently, the card also became available on Apple Pay, allowing users to make fast and secure contactless payments using their iPhone or Apple Watch. While it doesn’t focus heavily on rewards or cashback, it’s a great choice for simple and responsible credit management. Reviewed on: 6th March 2026

I'm very happy very nice and very good service

I'm very happy very nice and very good service Reviewed on: 6th March 2026

I HAVE BEEN WITH ZOPA FOR A FEW YEARS NOW BUT IVE NO...

I HAVE BEEN WITH ZOPA FOR A FEW YEARS NOW BUT IVE NOT HAD A CREDIT INCCREASE EVEN THOUGH I HAVE WITH OTHER ACCOUNTS AND THEY CONSTANTLY GIVE ME A LOW CREDIT SCORE WHEN I ACTUALLY HAVE A GOOD CREDIT SCORE WITH EQUIFAX Reviewed on: 6th March 2026

Great customer is excellent

Great customer is excellent and they are always there if you need to speak to a colleague. Their is fantastic you can see everything on it Reviewed on: 6th March 2026

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