Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% 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

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews See your review

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 (44350)

Review of the Zopa, Credit card:

Friendly reliable

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

Customer satisfaction

Have always had satisfaction with staff dealing with me online Reviewed on: 16th January 2026

Trying to build my credit score and Zopa has given m...

Trying to build my credit score and Zopa has given me a chance to do so Reviewed on: 16th January 2026

Inconvenient ,just

I'm using a credit card and I'm happy with it Reviewed on: 16th January 2026

Very professional.

Very professional. Easy to use website Reviewed on: 16th January 2026

Zopa review

Zopa Credit delivers an outstanding experience from start to finish, with service that feels both personal and efficient. The customer support team is responsive and knowledgeable, always taking the time to explain terms clearly and help find the right credit solution. The mobile app is a standout feature – it’s sleek, intuitive, and incredibly easy to navigate, allowing me to check balances, make payments, and monitor my credit progress in just a few taps. Everything loads quickly, and the clean design means even those new to managing credit online will feel comfortable using it. Whether you’re applying for a new line of credit or staying on top of your account, Zopa makes the process smooth and stress-free. Reviewed on: 16th January 2026

They accommodating and polite .

They are accommodating and polite . Reviewed on: 16th January 2026

Give you answers straight away.

Give you answers straight away. The banking is easy to understand and advise you when they take the money from your account Reviewed on: 16th January 2026

Very quick and efficient service

Very quick and efficient service Reviewed on: 16th January 2026

My Zopa card

Zopa is a very good card to have i wish i got there card before i had my other 2 and they are always helpfull. Reviewed on: 16th January 2026

Accepted me when no other would.

Accepted me when no other would. When I lost my card, it was easy to freeze and then order a new one in the app. Reviewed on: 16th January 2026

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Classic Credit Card
from Capital One 4.20 from 301 reviews
Credit builder credit card
from Vanquis 4.73 from 28691 reviews
Cashback Plus Credit Card
from NatWest 4.50 from 68 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub