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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 good

very good when nidet for shoping Reviewed on: 11th April 2023

Great credit card

Great credit card from Zopa. They seem like a fantastic company to do business with. Reviewed on: 11th April 2023

Superb credit builder

I have been with Zopa for a few months now and find that it has been a key part of building my credit score. I really feel I am able to get my life back on track, I am no longer worried/anxious about my financial standing due to Zopa! I find Zopa have an incredible support system, which aids in my understanding of how to progress with personal finance - this support is something I haven’t experienced with other providers. Reviewed on: 11th April 2023

Reliable creditors

Good creditors. App is easy to access and use. Reviewed on: 11th April 2023

Simply the best

I didn’t think I’d get a credit card but was successful and the app is brilliant also very easy to use Reviewed on: 11th April 2023

Easy to use

Great app and easy to use and make payments. Love that you can see the Payments coming off your total straight away. Reviewed on: 11th April 2023

MR FAHAD SHARIF

Nice card i love it i use it for my shoping and pay my home bili and use for pay my rent Reviewed on: 11th April 2023

Great bank

Easy to use and set up, good communication Reviewed on: 11th April 2023

Fine but cant transfer balances from Zopa to other provider

The app isn’t very intuitive and when my balance transfer promotional period was over, I wanted to transfer my Zopa balance remaining to another provider to take their offer. The attempt kept failing and I was told by Zopa via their online chat that they can’t accept balance transfers which was confusing to say the least as I opened the account via Balance transfer Anyway, it’s fine but that limitation means it’s low down on the list of credit card providers Reviewed on: 11th April 2023

Great service

Simple to use easy to apply App easy to use Reviewed on: 11th April 2023

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