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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. Informative.

I took a credit card to help build my credit rating. I had a decent amount approved and manageable repayments. They always let me know when payment is due and keep me informed of many changes Reviewed on: 11th April 2023

Easy to use

This credit card is so simple. The app makes it really easy to keep track of payments, credit limit and view statements Reviewed on: 11th April 2023

Great

Great company, after a costly separation from my partner I got in to debt 4 years on I reduced my debt and increased my credit report from 35 to 405 and applied for my first credit card with Zopa online, after a few minutes of filling in my details to see if I would be accepted I got the good news of being accepted with a £500 starting credit limit, I accepted and within a week my pin and new stylish credit card arrived, the Zopa app is easy to use and updates you on your spending and updates your payments/ statements efficiently. I definitely recommend this company to anyone looking for a fair chance of credit. Reviewed on: 11th April 2023

easy to use

realiable and easy good customer service Reviewed on: 11th April 2023

Helpful

Always there if I need them and no constant phonecalls very easy app to use Reviewed on: 11th April 2023

Fast needs satisfying

When you are in a strange financial situation and you struggle to satisfy your daily needs, Zopa credit card helps you Reviewed on: 11th April 2023

So good

Zopa has really helped me rebuild my credit score and they are very helpful and seems to work well for it customers Reviewed on: 11th April 2023

Fantastic

Absolutely great - easy application and great user friendly App Reviewed on: 11th April 2023

Simple

Simple to use, app easy as well thanks Reviewed on: 11th April 2023

Good service, never had a problem

What you’d expect from a credit card really. Needed credit and applied through clearscore. Have had the account for about a year and never had any problems. App has good features and is easy to manage my balance etc. Reviewed on: 11th April 2023

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