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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44351 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 (44351)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Only gives 3 months interest free on balance transfers

I needed to do a balance transfer as I was paying a lot of interest on my credit cards at the time and my credit rating wasn't great so I couldn't open another card with a mainstream bank. The only option my credit score gave was Zopa. They gave 3 months! Most companies give at least a year Reviewed on: 26th February 2023

Highly recommended

Account is easy to set up & use & great customer service is always available should the need arise. Keep up the great work Reviewed on: 26th February 2023

Brilliant

Easy access to pay for goods reminders of when payment is due early so you know when it's due so it gives me time to make the payment on time Reviewed on: 26th February 2023

Very happy

Easy to apply and app is easy to use. Having two credit limits really helped me when I was struggling Reviewed on: 26th February 2023

Easy to manage

A good quality app and card, easy to use and a cautious lender that lets you abate your finances Reviewed on: 26th February 2023

Credit card

Was very easy to apply and quick to get the card and pin Reviewed on: 26th February 2023

Easy to use

From application through to closing the account the process has been really easy, very responsive on chat and able to manage everything through the app Reviewed on: 26th February 2023

Well it is great

Easy to use, app is everyone friendly, always my go to Reviewed on: 26th February 2023

Good all

All good for me and I all was have it when I go out Reviewed on: 25th February 2023

Fee free travel credit card

Great card for using abroad where you pay zero fees on purchases. Totally worth having Reviewed on: 25th February 2023

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