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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.

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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)

Happy

Give me a credit card when I needed one to build my credit score Reviewed on: 11th April 2023

Aweful!

Aweful! Gave miserable credit limit and never increased the limit. Whereas in the meantime got credit increased 80 times in other cards. Reviewed on: 11th April 2023

Highly recommend Zopa

I have had a Zopa credit card for the past 20 months and I have been absolutely blown away by the experience so far. From the seamless application process to the user-friendly app interface, Zopa has exceeded my expectations in every way. One of the standout features of the Zopa credit card is their competitive interest rate, which is generally lower than some other credit cards on the market. This has saved me a significant amount of money on interest charges, and I appreciate that Zopa is committed to being transparent about fees and charges. Perhaps my favorite thing about Zopa, though, is the company's commitment to responsible lending. As someone who has struggled with credit card debt in the past, I appreciate that Zopa takes a proactive approach to helping customers manage their money and avoid getting into too much debt. The app is very user friendly and easy to use and the company's customer service team is always available to provide assistance and advice. Overall, I would highly recommend Zopa to anyone in the market for a new credit card. The company's low rates and commitment to responsible lending make it a top choice in my book. Reviewed on: 11th April 2023

Honest & simply the best

Honest, best credit builder, easy step, Reviewed on: 11th April 2023

Easy to deal with

Easy straightforward company to deal with. When payment due and paid credited almost right away, no waiting two/three days to clear. App very easy to use. Brilliant Reviewed on: 11th April 2023

Straightforward & Fair

Been with Zopa for a while now. Never had an issue paying off the card and you’re rewarded for it. You can pick a min or max amount to pay back and the app is so clear and easy to use. It’s so straightforward and has no hidden T&C’s. Would recommend. Reviewed on: 11th April 2023

Amazing company

I've never had to contact them as it runs so smoothly, the app has all the information you need, without all the technical jargon Reviewed on: 11th April 2023

Zopa great service and great for building credit

Easy application, user friendly app. Customer service second to none. Reviewed on: 11th April 2023

Great company

I have a credit card with zopa and they send me reminders regularly and give plenty of notice for payments and options on how to pay 5star company Reviewed on: 11th April 2023

Customer service

Amazing products and even better customer support. Always on hard always very helpful Reviewed on: 11th April 2023

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