Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

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

Read all reviews See your review

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

Great Credit Card

Easy to apply and use through the App. Clear statement and easy option to see balance and make payments. Great overall product. Reviewed on: 11th April 2023

Great company

Good company,card was delivered within 3 days of being accepted. Reviewed on: 11th April 2023

App so helpful and easy to use!

Love the App! It is easy to use and sends you regular updates of spends and more Importantly your credit rating. It points out where you need improvement and what you are doing well, especially helpful when trying to build credit score. I love my Zopa card! Reviewed on: 11th April 2023

Excellent

Very simple and reliable would recommend to anyone, app is easy to use and customer services is very good Reviewed on: 11th April 2023

Brilliant service and app is incredibly easy to use.

Never had any issues using the service provided. Reviewed on: 11th April 2023

Service

Great service love that you get a notification when u have a transaction would definitely recommend brilliant company Reviewed on: 11th April 2023

Love the service, modern

Great app, Zopa is great I would recommend using this service! App is fantastic Reviewed on: 11th April 2023

amazing

Firstly, the app is so easy to use and hassle free. The user interface is so easy to navigate even my mum can use it! (she's stuck in the 50's). Their customer service is to a very high standard and the service they provide is great. Zopa accepted me when other companies wouldn't due to my bad credit and i respect that a lot. Amazing, i would definitely recommend them to everyone. Thank you Zopa Reviewed on: 11th April 2023

Simple Credit

Easy to understand, good App, simple to use and navigate Reviewed on: 11th April 2023

Very great card and easy to use

I’m happy with the card and when I use it I got notifications on all my spend also give me anough time to pay back Reviewed on: 11th April 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Builder
from Chime 0.00 from 0 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
Balance Transfer Credit Card
from Halifax 4.10 from 64 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub