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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

Good service and communication

Great product happy to recommend to others Reviewed on: 22nd February 2023

Zopa, a top quality service

From applying for the card, receiving updated on progress, being advised on the granting of the credit, receiving the card, downloading the Zopa app and using the app to manage the account, all of this was achieved quickly and efficiently. A five star banking service. Reviewed on: 22nd February 2023

Credit card

I was given a credit card from Zopa at interest paid is reasonable Reviewed on: 22nd February 2023

Perfect

Perfect! Is best word i can use to sum up my experience with zoopa. As someone who has struggled with bad credit from many years ago and looking to get back on track and rebuild my CR, zoopa really are helping me out by giving me a chance. The app, the ease of use everything is a joy to use recommend to everybody Reviewed on: 22nd February 2023

Credit Card Review

The whole process has been good from start to finish and their customer service team are very friendly, always happy to help! The card is so easy to use and I even have a personal loan with the company! Reviewed on: 22nd February 2023

Very clear on everything

Highly recommend to anyone looking for a brilliant card Reviewed on: 22nd February 2023

Simple no hidden surprises

Most credit card companies very obviously try to trap you into going wrong with different rules etc , so they can charge you ..Zopa hasn’t done so far so good .. seems pretty simple , fingers crossed Reviewed on: 22nd February 2023

Great starter card with a great app

It was really easy to apply for this credit card and the Zopa app is easy to use and makes it easy to pay (on a schedule too) Reviewed on: 22nd February 2023

Great credit card to learn to manage your money

This has been the best card I have had. They have the tools so you can set your own limit and learn to manage your account. Reviewed on: 22nd February 2023

Easily accessible

This credit card is a life saviour.i had a financial crisis and this card saved me from getting worse.i cannot thank enough Reviewed on: 22nd February 2023

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