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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

Excellent company! Love it!

excellent service by Zopa! Definitely recommend! App is easy to check on balance and make payments which is updated straight away! Good for building my credit! Thank you Zopa!!! Reviewed on: 7th April 2023

Great credit card all manageable via an app

Zopa has a great credit card product which is easily manageable via an app. A credit card service as it should be. Reviewed on: 6th April 2023

Would recommend to family and friends

Help when needed online, fast response, low Apr. Reviewed on: 6th April 2023

There when I needed it

I was made redundant from a company that went into administration which meant I was not receiving any pay that month. Zopa we’re there with a 0% balance transfer credit card when I needed them to help me pay my bills until I was back on my feet Reviewed on: 6th April 2023

Great features

Great app and control features, helps me park a portion of my limit for rainy days. Reviewed on: 6th April 2023

Easy to use - simple to understand

Great customer service. Quick turnaround and cannot fault the service I have received from Zopa Reviewed on: 6th April 2023

they are reliable and very prompt

I for one am satisfied with the services Reviewed on: 6th April 2023

Great deal and easy to deal with

Zopa are able to offer a range of solutions for all people. Their facilities to search for and apply for options are easy to navigate and to get a great deal whatever your circumstances. Once a product is in place they support you with regular friendly updates and tips to improve the options for future needs. Excellent and thank you. Reviewed on: 6th April 2023

Brilliant card

Really good card, easy to use app which keeps you updated on spending and a credit cushion which helps to keep you on track Reviewed on: 6th April 2023

Pretty good experience

Firstly the positives - the app is brilliant. Payments go on immediately so no waiting for days for the balance to be available. Security measures are good. The only negative (and why it got 4 stars) is it isn't contactless so I tend to only use it for online purchases. Who can remember PINs these days? Reviewed on: 6th April 2023

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