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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44352 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 (44353)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Amazing

Amazing card easy to use and easy to pay my balance Reviewed on: 11th April 2023

Ease Getting and Activating the Zopa Credit Card

The application process for the credit card was easy and straightforward. In my opinion, the process of activating the card is the best in the industry - no need to wait for a card pain. The pin was generated from the app. Reviewed on: 11th April 2023

Quick & easy

Very quick & extremely easy to obtain a credit card from Zopa... Reviewed on: 11th April 2023

Best credit card yet

It’s been very easy to navigate through the banking app it’s great with providing information needed to help encourage saving overall really happy with this Reviewed on: 11th April 2023

Service

Helpful customer service and excellent credit service have never had a problem with my transactions Reviewed on: 11th April 2023

Excellent customer service

Zopa is very clear with their terms and conditions of credit card contract. Also sends payment gentle reminder on time Reviewed on: 11th April 2023

Great

Zopa is super very helpful.Thanks Reviewed on: 11th April 2023

Life saver

Helping me to get by in difficult life changing times. The most useful and practical card to have for your day to day life Reviewed on: 11th April 2023

Good Credit-Builder Card

East to apply. Useful App, with features to help build credit score. Reviewed on: 11th April 2023

Interest rates

Great card and reasonable interest rates Reviewed on: 11th April 2023

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