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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.

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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)

Credit card

These are a very good company let's u no what's happening by email always in touch Reviewed on: 20th February 2023

great all round service

good communication great card easy to understand and use app Reviewed on: 19th February 2023

Absolutely amazing customer service

I received first class advice and they was very friendy and helpful. Any questions or queries were responded to straight away. I would definitely recommend to anyone, they are more than happy to just advise without putting on the pressure of buying or signing up to anything. Reviewed on: 19th February 2023

The best for credit cards

Easy to Use app and the best rates. Reviewed on: 19th February 2023

Good company

Awesome company, great customer service Reviewed on: 18th February 2023

Reliable, easy-to-use credit card

After a terrible experience with my bank's credit card, where you could barely do anything with it without calling and waiting in a phone queue, I signed up for the Zopa credit card, not really knowing what to expect. I've been pleasantly surprised — you can do everything in the app, which updates almost instantly after the card is used, making it easy to keep track of your balance. Apparently Zopa will tell me when I'm eligible for a credit limit increase, too, rather than waiting until I ask for one and potentially put a hard search on my credit record. (I haven't seen this happen yet, but I've only had the card a few months.) Google Pay works well, too. Reviewed on: 18th February 2023

Simple seamless experience,

Application process is straightforward and quick, App is easy to understand and navigate payment methods simple and easy. I feel more in control of the Card and my finances as a result. Reviewed on: 17th February 2023

A* company

Great customer service easy and excellent app 100% recommend Reviewed on: 16th February 2023

Zopa rocks

Love the credit card. Can use it abroad without any additional cost. Reviewed on: 15th February 2023

Easy to understand App.

Thé credit card gives you a substantial length of time to pay the transfer balance. The app is easy to understand and use. It offers customers useful information and tools to increase their credit score and manage their financial situation in a straight forward manner. Reviewed on: 15th February 2023

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