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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

Zopa - A friendly and supportive bank

My experience with Zopa has been nothing short of fantastic - I am yet to have a direct experience with their customer service but accessing a credit card with a credit limit that greatly helped my financial situation has been a massive help, and I could not fault a thing. The Zopa app is extremely user-friendly and shows my limit, payment dates and any other helpful information clearly and concisely which is a great asset for any bank. Not only this, but the speed at which my card was sent to me and availability of credit was super quick which was a fantastic benefit. Overall I’m more than satisfied with all of the benefits I’ve already experienced with Zopa and would recommend them to anyone looking for an easy, accessible experience! Reviewed on: 11th April 2023

Great credit card

Customer services always helpful Reviewed on: 11th April 2023

Easy lifestyle

It has a great experience with zopa because it zopass others Reviewed on: 11th April 2023

Set Up and Go

Zopa offer well thought out approach to finances, be it a credit card or loan. The app is easy to set up and use and the notifications and information available are helpful and delivered in non invasive and appropriate ways. Reviewed on: 11th April 2023

Best Company i have come across

As a Zopa credit card holder, I can confidently say that this company has exceeded my expectations in terms of both value and service. From the moment I signed up, I was impressed by the competitive interest rates offered by Zopa, which have allowed me to save a significant amount of money on interest charges compared to my previous credit card company. Reviewed on: 11th April 2023

Easy apply and decent interest rate

Since I’ve had this card my credit score has climbed. It’s been easy to stick to payments. The app is easy to use and I was preapproved for the card with Clearscore before applying. Reviewed on: 11th April 2023

The Best in all.

I found it the best in my all available options. Can’t be thankful enough. Reviewed on: 11th April 2023

Issues what issues?

Seriously no issues using this card plus they have a cushion balance that you can set so you only use it when you need to. Not sure any other card offers this so well done Zopa Reviewed on: 11th April 2023

Brilliant Zopa!

When others had no faith Zopa was my Angel. Thank you for helping me smile again. Reviewed on: 11th April 2023

Hassle free service

Glad I chose Zopa credit card service. Proactive company that alerts you to all benefits as they appear. I’ve been reluctant to use credit cards due to the false advertisement but am Happy to say Zopa does what it says on the tin. Happy customer Reviewed on: 11th April 2023

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