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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Bad experience be aware who you dealing with

Never increased the credit limit from 300gbp it’s been more then a year and I have very good credit score although they asked for a loan which was pre-approved but they just didn’t lend me and couldn’t give me any satisfactory answer they said their system errors if I want I can reapply so they will do another hard credit search which not good for my credit score also I can’t apply anywhere else as I already had a hard credit search whether I got my loan or not it damaged my score . Reviewed on: 20th January 2023

Very simple you spend you pay

Sometimes when you try contactless it doesn't work and you have to go to pin . Disappointed that after being with them a year and clearing my balance in full every month by direct debit they won't increase my credit limit I find that frustrating Reviewed on: 20th January 2023

App is so easy to understand and use

Fantastic app very easy to manage payments and keep track of your account Reviewed on: 20th January 2023

Great product

I'm very happy with the card. The application process was very easy and efficient. Recommended. Reviewed on: 20th January 2023

Zopa credit card

Brilliant service, it was so asy to do and the service I received as first class. Would highly recommend. Reviewed on: 20th January 2023

Mega card

Great card to use just tap and go very easy and quick I use mine alot Reviewed on: 20th January 2023

Easy access

Really easy access on app, great credit card and savings account Reviewed on: 20th January 2023

Credit Card

Easy to use and make payments, contact is easy and clear from company, repayments and interest are good. Reviewed on: 20th January 2023

Top notch

I have had a greater experience with this company. Easy to use app and I am very impressed by the company Reviewed on: 20th January 2023

Great building of credit

The accepted me straight away and it is easy to use and to keep track of expenses and pay Reviewed on: 20th January 2023

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

Credit card
from 118 118 Money 4.73 from 5644 reviews
Fluid Credit Card
from NewDay 3.69 from 105 reviews
Purchase Credit Card
from Bank of Scotland 4.20 from 10 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