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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)

horrible

HORRIBLE! my card stopped working due to missing payment after falling ill for a few weeks and not earning as much. yet I was sent a message and it said if I made the minimum amount, the action would be stopped (min amount due on 16 February 2023) and paid it on 27 Jan. card says it is accessible and unblocked on the app but still not able to use it. Contacted over the phone and was told because of missed payments I can't use it. I explained I paid the requested amount (on 27 Jan) when I received the message to stop the card from working and way in advance of the minimum payment due date (16 Feb). yet they were giving like "oh well" answers. very unhelpful. Avoid! Reviewed on: 14th February 2023

Just an every day credit card

Use it smart and won't get overcharged Reviewed on: 12th February 2023

My world

My document îs about animals because its needed home all Time. Reviewed on: 11th February 2023

Nice company

Ok very happy with this credit card thanks Reviewed on: 11th February 2023

Very easy setup

Application was no more than 5 mins and once I’d was verified we were good to go The apr is the same for cash withdrawals and purchases at a very competitive 9.9%apr Reviewed on: 11th February 2023

Very customer focused

I've been with first direct for over 20 years. They have always been extremely helpful and I have had no reason to criticize in that time. Reviewed on: 11th February 2023

Fabulous

Great service & APR would recommend Zopa for Kaunas as well excellent customer service Reviewed on: 10th February 2023

Fabulous Credit Card provider

Providing credit card facilities for the average person with very easy to use app Reviewed on: 10th February 2023

Bad card.

I was recently informed that three hard pulls were made on my credit report, but I was not approved for the card. This is unacceptable and has caused unnecessary stress and damage to my credit score. I hope that you will take this matter seriously and improve your approval process in the future. Reviewed on: 10th February 2023

Very satisfied

They have improved my credit limit without even requesting it Reviewed on: 8th February 2023

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