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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

Amazing company very fast decision

Amazing company very fast decision Reviewed on: 8th January 2024

Brilliant app and efficient and fast customer service.

Brilliant app and efficient and fast customer service. Reviewed on: 8th January 2024

Easy to use app

I have received great advice and support from the app , easy to use . Reviewed on: 8th January 2024

Zopa credit card

Zopa is a great credit card company plus I have started saving with them the past month or two and am finding it brilliant. Reviewed on: 8th January 2024

Good APR.

Good APR. easy and convenient app use Reviewed on: 8th January 2024

Easy to use app, clear communication

Easy to use app, clear communication Reviewed on: 8th January 2024

Zopa is being there when we needed the most

Zopa is being there when we needed the most Reviewed on: 8th January 2024

Very helpful.

Very helpful.. helped me out when I needed it the most Reviewed on: 8th January 2024

No hassle credit card

No hassle getting my credit card and fair interest rates make my repayments so easy to keep under control Reviewed on: 8th January 2024

Better than big name Credit Cards

Applied via the App, this was a straight forward simple process as was confirming identity via camera on the App. Interest rate on borrowing, if required, is very competitive and better than some big name Credit Cards. Repayments are by Direct Debit and they send a reminder ahead of the due date. Reviewed on: 8th January 2024

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