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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

Fantastic

Easy to apply , no hidden fees, keep you up to date with payments etc , building my credit score nicely , no hassle love it Reviewed on: 22nd February 2023

Best credit card provider

As a young person with no credit history it was difficult to find a company that would lend me a credit card, then I found zopa and I have been able to improve my credit score over the last year. Their app is very easy to use with no problems Reviewed on: 22nd February 2023

Fantastic stress free credit card

I required a card to build my credt rating which is finally now paying off. Rates are resonable and communication via the app is secon to none. Easy to use and easy to keep track of spending. Reviewed on: 22nd February 2023

Easy to apply and easy to understand

This have been a brilliant first card and having no problem Reviewed on: 22nd February 2023

Very easy to use and they explain things clearly

Exactly as the title says. The service is great and they always keep you informed Reviewed on: 22nd February 2023

Thankyou zopa!

We were struggling with a 2 year old and bills so needed a little extra help! Zopa has flown in and saved the day! I accessed the money instantly and I'm able to manage my account so easily with the app! They keep me informed by email and text about information I need to manage my payments and money I would highly recommend Reviewed on: 22nd February 2023

Excellent

Never had an issue with this lender Reviewed on: 22nd February 2023

Top Credit Card

I would Zopa credit card to anyone. It has been my lifeline. So easy to use and the operators are so helpful and friendly. Reviewed on: 22nd February 2023

Amazing

Straight forward friendly team. Reviewed on: 22nd February 2023

Great Service

Great Service, simple & quick to use Reviewed on: 22nd February 2023

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