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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

Very easy to use

I love the Zopa credit card, great for building my credit score and general use. No hassle to set up and has contactless so I’m pleased to use this amazing card. Reviewed on: 11th April 2023

Easy, honest, simple

Does exactly what’s advertised and how it’s supposed to work Reviewed on: 11th April 2023

Leveller

My credit score has never been so good. Continuous reminders that keep you within limits etc. App so direct. Reviewed on: 11th April 2023

Good

The Best 10 star+++ Easy to apply,to use Reviewed on: 11th April 2023

Great card and reasonable interest rates

Would recommend to everyone that are trying to build their credit scores Reviewed on: 11th April 2023

Great card to keep you posted on spend

It's easy to set up and keeps you upto date with what you spend Reviewed on: 11th April 2023

This credit card is useful for my essential needs

This zopa credit card is usefull for my essential needs and no interest for minimum time period and easily repayable and affordable.I am using this card travel and groceries section Reviewed on: 11th April 2023

Fast and Best

Fast and instant and very prompt notification service along with instant payment update on app. Reviewed on: 11th April 2023

Excellent credit card

I was very impressed with the zopa credit card it enables me to improve my credit score and has affordable repayments and interest rate is reasonable. Reviewed on: 11th April 2023

Credit card & credit score on one page

It was very easy to apply and get reply same time with approved, now automatically increasing credit limit also gives other borrowers option and give tips to improve credit scores , it was really useful tips for me to build my score after long time. Thanks Reviewed on: 11th April 2023

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