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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

Easy as pie

Impressed, easy app, easy set up and no issues, more than happy to have it and only once had it locked by my own error, the mobile app sorted it within 10 minuts Reviewed on: 22nd February 2023

Easy to use

My zopa credit card is so easy to use, good interest rates, excepted in most shops abroad zopa check every 6 months to see how your spending and if your entitled zopa will offer a credit increase. Reviewed on: 22nd February 2023

Amazing

Amazing credit card,good money for spending Reviewed on: 22nd February 2023

Great company, great deals

Zopa is easy to apply for &set up a direct debit. I'd recommend thus company highly Reviewed on: 22nd February 2023

Happy

I’m very happy with my Zopa credit card Reviewed on: 22nd February 2023

Amazing easy app

Low interest and really good service and are very efficient and quick with any type of service Reviewed on: 22nd February 2023

Foundation for Credit Building

Having great credit in a foreign country was irrelevant when moving to the UK. I struggled to ‘rebuild’ and establish my credit and Zopa was the first card I got. I could not put have built my credit again so easily had it not been for their service. Great app, easy payment, the company is great and I highly recommend their credit card for anyone in a similar position. Reviewed on: 22nd February 2023

Great so far

So far zopa has been fantastic. Very helpful app and very helpful staff on the phone. Reviewed on: 22nd February 2023

Wonderful Zopa

I have had my card for some time now and find it easy to use, no jargon language. Plain and simple. Thanks Reviewed on: 22nd February 2023

Ease and convenience

Great card to carry. Easy to apply for, good rates of acceptance and interest. Wouldn't be without it! Reviewed on: 22nd February 2023

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