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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

Very good at listening and sorting out problems quic...

Very good at listening and sorting out problems quickly Reviewed on: 8th January 2024

Hi have had my Zopa credit card for over a year and...

Hi have had my Zopa credit card for over a year and I have always found it easy to use and run my account from the app . Reviewed on: 8th January 2024

They have been very helpful

They have been very helpful and flexi able with their credit. The app is easy to use. It’s a very simple process and they send updates with statements Reviewed on: 8th January 2024

Fast Payment and Great App

Credit card rates are not bad but the thing I love the most is the fast payment when you pay your credit card bill, it’s instant and the app is user friendly Reviewed on: 8th January 2024

Excellent customer service reps

Representatives are very pleasant and knowledgable. Reps were able to resolve my issue Reviewed on: 8th January 2024

Excellent customer service, good rates and easy to u...

Excellent customer service, good rates and easy to understand what was required from myself. Reviewed on: 8th January 2024

Bad credit provider

Gave me credit when no others would. Reviewed on: 8th January 2024

I have a poor credit score but Zopa gave me a chance...

I have a poor credit score but Zopa gave me a chances to rebuild my credit. Reviewed on: 8th January 2024

Credit card autonomy

I especially like the feature of managing both the credit limit within that allowed by the company ensuring I never go over my limit and can have a comfort zone in the event of an emergency. As well as having complete control over the contactless limit making it harder to spend on if it is stolen. Reviewed on: 8th January 2024

Excellent

Using my Zopa credit card is safer to carry than cash and offer strong fraud protection than other cards. Reviewed on: 8th January 2024

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