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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

Easy to use with great savings

This product is clear cut, very easy to use and has several easy to use acing accounts with lock pots. Reviewed on: 1st June 2023

Could do better

Helpful with those with poor credit rating but could do better. If individuals are already in a poor position financially stop penalising with higher APR' and exorbitant interest rates Reviewed on: 1st June 2023

Always on hand

Since applying for, and being accepted for the Zopa Credit Card I've been very impressed with the organisation who are Always on Hand to assist me in anyway needed. Reviewed on: 1st June 2023

There when support needed

Zopa's credit card is an excellent one to have. After being through the application process, you quickly find if the application was successful, or not. I'm more than pleased at being successful, given my credit limit, and zopa card coming via the post. I have used this card a number of times therefore i appreciate the support given when it was needed. Making sure of keeping within my limit and clearing any balance within as such a short time possible Reviewed on: 31st May 2023

Easy to navigate

From the first application to using the card it's so straightforward. Love the app as easy to navigate and great tools Reviewed on: 31st May 2023

Super easy!

Quick decisions, great clarity of communication and the use of the app is so convenient. Would reccomend! Reviewed on: 31st May 2023

perfect!!!!!!!!

great company very easy to use and build your credit score Reviewed on: 31st May 2023

Zopa stand out from the crowd

In my experience, Zopa is the most responsible lender. At first, they come across as cautious but you soon realise that they just want you to be financially responsible and they are there to help you do so. Very impressed. Reviewed on: 31st May 2023

Refreshing

Nowadays it’s hard to get a credit card especially with not so good credit. It’s so refreshing to now that Zopa are here to give you that start you need to build your credit. Reviewed on: 31st May 2023

Brilliant

They give you a credit limit limit and suggest the you keep a buffer and only spend up to the buffer. If you need to use the buffer you can but it is restored the next month. It's brilliant Reviewed on: 31st May 2023

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