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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)

good

Great easy to use. loving the balance transfer facility Reviewed on: 23rd January 2023

Best card to build the credit

This is really good to build the credit and really good interring rates. Also all staff are really helpful Reviewed on: 23rd January 2023

Brilliant

Did me lots of help when I needed it Reviewed on: 23rd January 2023

Zopa Credit Card

Great card to have backed up with excellent customer service Reviewed on: 23rd January 2023

Credit card

Best credit card around good overall credit limits and easy payments Reviewed on: 23rd January 2023

They took a chance

Zopa took a chance on me as I have bad history, they have given me the opportunity to show I can manage a credit card and deal with my debts, for this I am very grateful. They give a nice small and manageable limit and don’t keep upping it after each payment helping me control my spend, I highly recommend them regardless of credit history if you are trying to make things right. Reviewed on: 23rd January 2023

Happy

Really happy with this card provider, the app is great to use to manage everything Reviewed on: 23rd January 2023

Decent card

Easy and convenient. Offers regular increases if you manage you account well and good customer service. Reviewed on: 23rd January 2023

Super app

App makes control easy, card is affordable even for people with poor credit history. It has given me a chance to start again on my credit route Reviewed on: 23rd January 2023

No frills banking

This bank is a genuine simple banking service that offers customers excellent, understanding service with a fantastic customer rappor. ZOPA has everything your average person is looking for to bank and in great need for a loan.Highly recommended and I am pleased to be part of the Zopa customers. Many thanks to all the team for their help! Reviewed on: 23rd January 2023

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