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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

Amazing credit card

Zopa have been amazing for me for the extra bit of money when I have needed it as a back up I can use it if something in life goes wrong The perfect credit card Reviewed on: 11th April 2023

Excellent Card

Great credit card helping me budget and use responsibly Reviewed on: 11th April 2023

Amazing

Great communication easy to use app and webchat service Reviewed on: 11th April 2023

Perfect

i like this credit card because they provide very good apr rates Reviewed on: 11th April 2023

The modern way to manage my money

I have taken out and repaid two Zopa loans, following the success and simplicity of this experience, I now have the Zopa credit card. Like the loans, it's really easy to manage in the mobile app. Such as check payment dates, overpay, see your borrowing power. Reviewed on: 11th April 2023

Great service

Never had a problem Going abroad just had to notify them great all round Reviewed on: 11th April 2023

Flexible and helpful

Without a doubt the best credit card I’ve had. Manageable and flexible at all times. Their banking app is very easy to use too. Reviewed on: 11th April 2023

Great card

Highly recommended both me and hubby got one Reviewed on: 11th April 2023

HeroZopa

Zopa credit card helped mine credit score growing Reviewed on: 11th April 2023

Great interest rates

Zopa has fantastic customer service when I have had the need to speak to someone and also they have the rates Reviewed on: 11th April 2023

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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
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