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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

Already signed up the sisters!

The app is fantastic for managing your money! It's easy to set spend limits and interest is clear and concise. Highly recommend for people trying to build Credit like I am. They use the new Credit Cards so you can easily customise stickers from ebay and have your own photo on your card :) Reviewed on: 11th April 2023

Very recommended zopa !!!!

Yep, recommended!!!! Amazing zopa!!!! Have all the best in future Reviewed on: 11th April 2023

Great credit card with customer in mind

Fantastic credit card with good rates. Always happy to help. No charge when you use it in Europe so brilliant for when your on your travels. Reviewed on: 11th April 2023

Exellent

Never had any issue with them always been great I’ve been with them 3 years Reviewed on: 11th April 2023

Prefect

My experience with Zopa has been nothing better than perfect it was an easy application, no pressure and they were helpful. The app is easy to use and clear, repayments are clear and explained. Payments are not delayed and easy to make. I couldn’t be happier as this account is helping me rebuild my credit history and gives me piece of mind for emergency No pushy sales pitch or calls simply perfect experience Reviewed on: 11th April 2023

Best service out there

Easy simple credit card providers online account simple and easy to understand no hassle phone calls no endless emails if carlsberg made a credit card company this would be it! Reviewed on: 11th April 2023

Brilliant service.

Brilliant service and always keeps you informed on what's going on. Reviewed on: 11th April 2023

Fantastic product

Have only had the card a couple of months but not had any issues. Great App and easy to use…has all the information you could need. Reviewed on: 11th April 2023

Straight up

Cannot be more straightforward you get exactly what they tell you have been great Reviewed on: 11th April 2023

Easy to set up

From application to receiving the card everything was very easy and straightforward. The app is great and easy to use with some great features to boot! Reviewed on: 11th April 2023

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