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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 (44352)

Review of the Zopa, Credit card:

Friendly reliable

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

Great credit card

Great credit card, easy to use and pay back on the app, quick and easy, stress free.... Reviewed on: 22nd February 2023

Great company

Zopa are always happy to help on the phone and sort problems out straight away thank you Reviewed on: 22nd February 2023

Very happy

Thankyou for giving me the chance to grow my credit. Reviewed on: 22nd February 2023

Great card

It's a simple to use card that allows you to spend money easily. You can view your pin very quickly if you're stuck forgetting so you aren't holding anybody up and you can pay using the app very quickly. I think it's great. I'd like a bigger limit but I understand being a responsible lender that they can't which shows they are a good company. Reviewed on: 22nd February 2023

Excellent service

They give excellent service and top quality products Reviewed on: 22nd February 2023

No I interest balance card a good way to budget

Helped me pay off another credit card than the interest free 3 month period helped me save money on interest fees while paying zoopla back Reviewed on: 22nd February 2023

Easy to apply and great if you have poor credit.

I was struggling to find a credit card but found Zopa after searching online and reading the reviews. Reviewed on: 22nd February 2023

British Bank Reviews

Zopa are professional and speedy in their application process. I found their custoner service support superb. Reviewed on: 22nd February 2023

A company worth being with

One of best banks I’ve signed up for. I like the ease of the app and also the add ins which come with it. Especially keeping both spend and transfers as separate amounts making it easy to keep track of what you are spending. The customer service chat is also really beneficial. They were able to help me with a query within 30 minutes and the explanation they gave made sense with no jargon. Honestly would recommend these to help with anyone who needs to learn to budget. Reviewed on: 22nd February 2023

Anthony sheraton for Zopa product

Excellent service and an easy to use app. I’d recommend Zopa to anyone Reviewed on: 22nd February 2023

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