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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

Great service highly recommend using Zopa to friends and family

Great company user friendly and great service to me in time of need Reviewed on: 11th April 2023

Great card

Have had my zopa card for awhile now and its simple to use and understand Reviewed on: 11th April 2023

Best credit card

This has been the best credit card I have ever had and I would certainly recommend it to my family and friends Reviewed on: 11th April 2023

Zooperb

Really good company. Simple to set up and trusted company. Reviewed on: 11th April 2023

There in hard times

When it’s easy to caught up in the credit file, they took a moment to look at the person behind it. Amazing company start to finish Reviewed on: 11th April 2023

GOOD APR

I have been with zopa for almost a year now and I have never had any problems the APR is low and pay back is affordable. The app has many useful features. I would not use another provider now. Reviewed on: 11th April 2023

Quick process, easy to manage, & friendly

I've been with zopa now for approximately 8 months. I can't fault the service at all. Having had difficulty with credit in the past I was so pleased when I was approved but the good news didn't end there. The app allows me to make repayments & manage my card in one place with no reason to log in online or have to trail through a lot of paper statements (it's very much line an online banking app) There are no charges for overdraft or late repayment (I haven't had to use either of these but knowing they are there are peace of mind) My credit rating has not only jumped up 112 points since using the card & making repayments but also my credit limit was raised after four months of repayments and managing the card well. Absolutely brilliant in all honesty. Reviewed on: 11th April 2023

Easy and straight forward

Great product easy application easy to use straight forward terms and conditions. Reviewed on: 11th April 2023

Excellent service!

Straightforward and easy to use, with a clear app and great communication. Reviewed on: 11th April 2023

Always there when you need them

Always used credit cards over the years These card people are the best no hassle no drama Reviewed on: 11th April 2023

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