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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

Fantastic

I only signed up not long ago and they were quick with the process. Giving me a chance to better my credit score. It's a difficult card to be able to get, but they gave me a reasonable credit allowance. And it's allowing me to travel. I'm only 22, so an opportunity to be pre-approved for a credit card company like Zopa means so much. I haven't had many years in building credit, and I've been buying my first car, my first phone, so my credit score has taken a hit due to now being responsible for my own necessities and not having the funds to pay outright. I am very thankful to Zopa and I will be sensible and hopefully increase my credit score with this. Reviewed on: 12th April 2023

Good company

Had bad credit and I I got accepted straight away with Zopa with a good credit limit emails texts come through with alerts to let you know when it’s coming out so you don’t miss a payment. Really good company Reviewed on: 12th April 2023

Great Card

I have been with zopa it’s great to use Reviewed on: 12th April 2023

Fantastic card/Account

I took out a Zopa Card to do a balance transfer. Zopa has allowed me to save hundreds in Interest charges with other providers during my interest free period. I am now on a lower interest rate to pay the remaining debt back. I am 100% happy with this fantastic service who true do strive for there customers to be in a better position than they were whilst providing the affordable credit that may be needed. 100% recommend these folks. Reviewed on: 12th April 2023

Great for building

Tried various credit card dealers to strat to build my credit rating but Zopa have made it a smooth ride to start building it gave me best interest rate Reviewed on: 12th April 2023

Great company

Great costumer service! Very easy to use app. Reviewed on: 12th April 2023

Ease of use

Excellent app with all the information to hand ... Gives tips on improving credit rating and staying within budget. Reviewed on: 12th April 2023

Good interaction

Good product, good customer service and communication with good webpage Reviewed on: 12th April 2023

Best card

Good card with lots of benefits. Reviewed on: 12th April 2023

Helpful

They are there for all of there help for you as a customer Reviewed on: 12th April 2023

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