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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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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

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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.

Review Zopa: Credit card now

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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)

Customer service

Really nice people very understanding of your needs Reviewed on: 20th February 2023

Excellent lending

This was available to me despite having poor credit history and was extremely helpful having the option to lend from Zopa. App easy to use for all services Reviewed on: 20th February 2023

The best card for low credit.

The best card for low credit scores, easy to use app, not had a cause to phone customer service. For me a great card to help build your credit score. have recommended a few freinds to date. Reviewed on: 20th February 2023

Perfect credit card

Very user friendly never had an issue with the app or card it’s self would highly recommend a great way to build credit Reviewed on: 20th February 2023

Easy to manage

It has an easy to use app and you can add a savings pot as well. Never had any issues with zopa Reviewed on: 20th February 2023

Credit card for all

Zopa credit card helps you to do all expenses at a moderate interest rate. Their product fits into any class of user. Reviewed on: 20th February 2023

Excellent

I'd been thru a very rough part of my life being made bankrupt not thru my own fault and zopa gave me the chance to have a credit card with excellent customer service that has not only improved my credit rating but gives me the ability to spend if I need to.. thankyou so much Reviewed on: 20th February 2023

Easy to use and good customer service

I have had a very positive experience with Zopa. It is easy to use and whenever you need help the customer service are so willing to help Reviewed on: 20th February 2023

The best move I made joining zopa

I’ve about 6 credit cards to which I don’t touch or use now as I use my zopa every day for normal day to day shop to fuel everything once my limit goes the same as my others I’m closing them as don’t need them and my savings in zopa are safe all transactions ping straight to my phone security great job zopa Reviewed on: 20th February 2023

Best Provider Ever!!!

Fully recommend Zopa to everyone, they are the best credit card provider I have ever used! Seriously professional with great management tools to help budget. Reviewed on: 20th February 2023

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