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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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

The best customer service ever.

The best customer service ever. Very professional and quick to respond. Reviewed on: 8th January 2024

Nothing but problems

Have only had my credit card for a few months but have had nothing but problems. Payments to Zopa from my bank have been returned by Zopa at first they said it was my bank, but confirmed with my bank that it was them that returned the payment. Have had my card blocked and after speaking to and being passed to several different people was told that it would take between 1 and 2 working days to unblock. Do yourself a favour and find a credit card company which you don't have to waste time chasing to find out why they have done this or that, and you don't have to wait days for them to unblock your card. This company is a joke. Reviewed on: 9th November 2023

They love to harm none of the citizens, a piece of crap card

I was approved for the card. after that they want an invoice to give a limit of £600. They're playing with my face. They love to blow people's names by searching hard Reviewed on: 21st October 2023

Credit card - quick

Quickly revived my decision and credit card within a couple of days Reviewed on: 16th June 2023

Simple, intuitive and quick

Applied online via ClearScore for a credit card. Very easy process, even quicker decision response. Just waiting on my new card now. Have also downloaded the Zopa app which is great too. Reviewed on: 14th June 2023

Love Zopa

Fast application, easy app to navigate and friendly customer service. Reviewed on: 8th June 2023

Such a help

Being able to transfer debt to one place and use a credit card with zero interest to start them fair interest is such a relief win these hard times Reviewed on: 7th June 2023

Easy app

Enjoy ZOPA credit card so much. App easy to use and good interest rate!!! Reviewed on: 7th June 2023

Simple, Straightforward and great service.

Great service and excellent app, really nothing to fault. Reviewed on: 2nd June 2023

Excellent no-frills credit card for use abroad

I’ve used the Zopa credit card on my travels through Europe, the Middle East and India, and have always found it to be a reliable and easy way to pay without incurring any of those annoying overseas transaction fees. On the one occasion that I needed advice the online chat service was very prompt with the response. Overall I’m very happy with the card and can highly recommend it if you travel and don’t like wasting money on fees. Reviewed on: 1st June 2023

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