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)

Excellent company

Customer service is outstanding Always someone you can talk to No hidden agendas App is so easy to use and lots of helpful advice on there too Highly recommended If your looking to build your credit this is the company you should take a look at...outstanding Reviewed on: 18th January 2023

very happy with the credit card

quick application, quick decision, low interest rate, I definitely recommend it Reviewed on: 18th January 2023

Excellent

Great experience very easy to apply and the app is very easy to use Reviewed on: 18th January 2023

Excellent experience

Zopa is an easy to use credit card. I've had my card for a while now and the whole process, from applying to using etc, was so simple and easy to do. The app let's me track what I've spent and my credit limit. I'd recommend to anyone needing a simple credit card Reviewed on: 18th January 2023

Brilliant

Approved for a credit card and feel my account is monitored as it should be for increases and other credit available. Never had a problem Reviewed on: 18th January 2023

Great credit builder

They are a great responsible lender. Taking time to deal with any customer service query and setting goodimiys while allowing you to monitor your credit score Reviewed on: 18th January 2023

Very easy to keep a track of your account

App very good and easy to follow. Reviewed on: 18th January 2023

Simple

A great card to build a credit history. The app is easy to navigate and stay informed. Reviewed on: 18th January 2023

Easy and very helpful service

Easy to apply, always informed about changed, very friendly customer services. Reviewed on: 18th January 2023

Mr

Easy to apply good app to keep track on savings and spending Reviewed on: 18th 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

Nectar Credit Card
from American Express 3.16 from 14 reviews
Credit card
from Debenhams 3.98 from 15 reviews
Purchase Credit Card
from Halifax 3.50 from 19 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