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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44351 reviews)

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4.87

Based on 44,351 reviews, last reviewed 17th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% 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

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 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 (44351)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Easy to apply and a speedy decision

Quick decision, easy process but slightly higher APR than some other providers Reviewed on: 9th January 2024

Great credit card and so helpful

Great credit card and so helpful Reviewed on: 9th January 2024

Straight forward to apply upfront with limits apr etc.

Straight forward to apply upfront with limits apr etc. Reviewed on: 9th January 2024

Very easy app to use.

Very easy app to use. Services easy to access and understandable Reviewed on: 9th January 2024

The help brigade

Helpful and competitive rates, instant answer Reviewed on: 9th January 2024

World class service,

World class service, very friendly, Reviewed on: 9th January 2024

From day one with Zopa, it has been faultless.

From day one with Zopa, it has been faultless. The app is well organised and the application for credit is well presented and well thought out. Reviewed on: 9th January 2024

Very professional, easy to deal with overall a very...

Very professional, easy to deal with overall a very responsive and informative company. Answer questions in plain language make finance easy! Reviewed on: 9th January 2024

Straight forward process, clear and precise informat...

Straight forward process, clear and precise information. Reviewed on: 9th January 2024

I’ve never had a problem with Zopa, great card and g...

I’ve never had a problem with Zopa, great card and great company - glad I chose this card! Reviewed on: 9th January 2024

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