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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

Very quick and easy to apply for

Very helpful and easy to get access to your account Reviewed on: 14th April 2023

Better thank any other card

Best APR I’ve been offered, ZOPA don’t just lend to anyone they are responsible and don’t and probably won’t hound and hound for a missed payment it’s real people not bankers who work of commission Reviewed on: 14th April 2023

I have multiple credit cards, and Zopa is the best by far!

Zopa's customer support is brilliant, their apps are great and statements are always reliable. The interest rates are competitive, I couldn't rate them higher! Reviewed on: 14th April 2023

Best Bank

All ways helpful in every aspect Reviewed on: 14th April 2023

Perfect

Perfect, can't fault the service provided. Reviewed on: 14th April 2023

Good

Perfect credit card and loan good Reviewed on: 14th April 2023

Straightforward

Really excellent card. So easy to use the app. And you can track your spending very easily. More importantly, it is so simple to set up a direct debit and make extra payments. Reviewed on: 14th April 2023

Nice credit card recommended

When I apply for credit card from first time i was approved i love this credit card. Recommend for people Reviewed on: 14th April 2023

Great credit card

I have found Zopa to be absolutely amazing! They have always been so helpful and understanding to my needs. Reviewed on: 14th April 2023

Zopa

Zopa is fair in the interests that they charge if your balance isn't paid in full, but it's still advisable to pay off your monthly balance if you can. It's helpful that they also give you multiple reminders about your payment dates so that you have more than enough time to ensure that your direct debit payment is available in your account. Overall, being a Zopa credit card holder, is a positive experience.. Reviewed on: 14th April 2023

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