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

Brilliant service, great app

I've had a great experience with this company right from the start. Easy process to setup my account, the app is great and repayments show ony balance immediately unlike some credit card companies that takes days to process a payment. I can't recommend enough Reviewed on: 11th April 2023

Great to deal with

Easy to use, friendly and efficient. Reviewed on: 11th April 2023

Best credit card company iv had

Very fair treat you like a person Reviewed on: 11th April 2023

Zopa card

Fantastic service, easy to use and fast highly recommended Reviewed on: 11th April 2023

Really great service

Fantastic service, it really helps me understanding my credit rating and how to improve this. Reviewed on: 11th April 2023

Credit

I love my Zopa credit card as it allows me to stay within my budget without encouraging me to apply for more credit than I need whilst being at the end of the phone should I need another product or advise.Thank you Zopa. Reviewed on: 11th April 2023

Good lender

The app is so easy to use also keep me updated with statements Reviewed on: 11th April 2023

Easy, simple, effective.

Zopa has been an excellent provider from day 1! It has made it easier to understand my borrowing power, manage how much I spend and also the app has been faultless! It’s so easy to see what you’ve spent and credit statements come in like clock work. They’re always available for 24/7 support and have answered every question I’ve had! Reviewed on: 11th April 2023

good fair company

always keep you up to date, e-mail and text, app easy to use and track, Reviewed on: 11th April 2023

Hassle free

Great card linked to your app online which is very reliable. Very pleased with my card and customer care. 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 Card
from American Express 3.44 from 127 reviews
Credit Card
from Ocean Finance 4.09 from 22 reviews
Classic Credit Card
from Bank of Ireland 4.06 from 6 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