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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

Easy to use and helpful when in financial difficulty

Very useful when in financial difficulties and was easy to apply. Very happy I was approved considering my credit score. The app is easy to use and easy to pay back. I only wish we can set it up in apple pay. Reviewed on: 11th April 2023

New Customer

The application to arrival of the card was quick and very informative. The app is the best I have on my mobile, with saving for a rainy day and detailed information all the way Reviewed on: 11th April 2023

Excellent service

Very fast and easy to use and excellent customer service skills Reviewed on: 11th April 2023

Straight forward

Straight forward application, card arrived quickly and when they said it would. App is solid and never had an issue and it also helps give insight on how to improve financial situation / credit score and there is zero pressure / selling of their other products which is nice. Reviewed on: 11th April 2023

Good honest company

Hi I applied for a credit card with zopa and they had no problems giving me a credit card even though my credit history isn't perfect so I will always think zopa for that they really are there for the people who need them well done zopa Reviewed on: 11th April 2023

Zopa

I'm Happy and like Zopa credit card. Reviewed on: 11th April 2023

Great service

Very good at letting you keep within your limit Reviewed on: 11th April 2023

Great credit card

It was easy to apply for this card and received it very quickly. The app is also very easy to set up and fairly to navigate through it. The card works very well for me. Every time I use it, it notifies me how much I've spent including actual balance what is very clever and helpful! Definitely recommend it with confidence! Reviewed on: 11th April 2023

Great Card

Easy to use, friendly service, although i haven't used it much. Reviewed on: 11th April 2023

Such an easy process

Everything from the start of your application to spending on you card including balance transfers is such an easy trouble free process, the Zopa app makes it even easier. Great bank would highly recommend to anyone wanting that little extra ease from banking. Reviewed on: 11th April 2023

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