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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44351 reviews)

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4.87

Based on 44,351 reviews, last reviewed 17th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% 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

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 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

Perfect

I did a balance transfer with Zopa and found the really easy to deal with and the app is user friendly. Your deposits show straight away unlike most credit card providers. Joy to deal with. Reviewed on: 23rd February 2023

Good credit builder

Lived abroad for many years so no credit history in UK. Using Zopa and various other cards to build history. Average to high interest rate but to be expected with little history. Good experience so far. Reviewed on: 23rd February 2023

Very satisfied

I am happy to use this card and I sincerely recommend m Reviewed on: 23rd February 2023

Amazing

Love the app. Easy to use no concerns with using the card or app. Reviewed on: 23rd February 2023

Excellent

Excellent good service of zoopa to provide money Reviewed on: 23rd February 2023

Easy to use

I just love Zopa products! They are always there when you need it the most! Reviewed on: 23rd February 2023

Simple and manageable

This is very simple to use and manage so everything is at your fingertips. Reviewed on: 23rd February 2023

Practices what it preaches

A supporting hand when most needed Reviewed on: 23rd February 2023

Simple to use, a real boost to credit rating

Zopa was a simple application. Pre approved. Sensible initial credit limit Reviewed on: 23rd February 2023

Brilliant service

Excellent service. Fast and efficient and always keeps you up to date. And helps you with your finances Reviewed on: 23rd February 2023

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