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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

All good

It was good and help me so many times when I was in financial difficulties. Reviewed on: 3rd April 2023

Very quick

Easy to understand and set up The way forward for all saving products Reviewed on: 3rd April 2023

Zopa is excellent they help me build back my lost confidence in giving me another opportunity to own a credit card thar is very low and affordable rete thxs again

Zone has increased my lost confidence in having an affordable credit card the rate is affordable and my limit is increased according to my credit score thanks to Zopa online is Easty to access and I will I recommended Zopa to all my friends and family thanks a mill times to Zopa Team You guys are doing a fantastic job Reviewed on: 3rd April 2023

Flexible

I'm able to use my Zopa card wherever I want. Flexible and easy to use Reviewed on: 3rd April 2023

Excellent credit card supplier

With Zopa, I get to save as well as have access to a very reasonable credit card Reviewed on: 3rd April 2023

First class customer service and very clear communitcation

I have both savings and credit account with Zopa, very happy with both, security is excellent and would recommend to any body who wants savings to build on, since i have been with Zopa my savings interest rate has been 10X what my current bank offers and can get even more with boosted pots, very happy customer, although i had i not heard of Zopa before I highly recommend you look at the rates they are paying, Reviewed on: 3rd April 2023

Excellent

App is brilliant for both credit card and savings pot. You can transfer funds between your savings pot and nominated bank account quickly. Reviewed on: 3rd April 2023

Good credit card?

It’s been very convenient to me and easy to use Reviewed on: 3rd April 2023

Best service

Very good nice and fasy service the online banking is working good and fast happy whit ZOPA Reviewed on: 3rd April 2023

A bank that cares

I started using ZOPA as a holiday credit card but now use it for most of my banking and am delighted with the results. Reviewed on: 3rd April 2023

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