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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

Thank you

They are helping people who have struggled a bit in the last few years to get there credit rating back up and that has to be a good thing. Thank you. Reviewed on: 11th April 2023

Easy to use

Web site very easy to use no hassle being a bit older I struggle with some companies site but Zopa was so eay Reviewed on: 11th April 2023

Good Service

No issue, with online app and account operations Reviewed on: 11th April 2023

Zope is a great help.

Very happy with Zopa, quick check and answer and low interest. Reviewed on: 11th April 2023

Top of the pile

Clear run and easy to work with. I have found this card company to be by far the best I have had before. Reviewed on: 11th April 2023

Happy I chose Zopa!

I’m not able to get some credit cards due to my credit rating but Zopa gave me a £500 credit limit & great APR rates straight away with no fuss, so I would highly recommend them if you want the best APR rates for a bad credit rating. Great customer service & App too. Reviewed on: 11th April 2023

Awesome company

Great App easy to manage.The application process was easy Reviewed on: 11th April 2023

Easy to use the app

The app is very easy to use and when you make a payment it clears straight away Reviewed on: 11th April 2023

Helped when needed.

It was simple to apply, really helped when needed. Reviewed on: 11th April 2023

Zopa credit card

Would highly recommend!!! Very affordable and excellent customer service! The app is also so easy to use. Brilliant for building bad credit! Very happy customer Reviewed on: 11th April 2023

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