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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44347)

Credit Card

A satisfactory service with good security. Reviewed on: 14th January 2023

I have no problem excellent service

Great service to use tells you if you have any problems Reviewed on: 14th January 2023

Easy to deal with, reliable.

Great service, quick to respond and very reliable Reviewed on: 14th January 2023

What a credit card!

I struggled with obtaining Credit for many years. I found Zopa after a quick Google search and was immediately accepted even with bad credit. Its allowed me to improve my credit score and also gives me great insight into my credit score as it increases. The app looks great and is easy to use and i will be using Zopa for many year to come! Highly recommend Zopa to everyone Reviewed on: 14th January 2023

Great service no hassle credit card and savings account

I have a credit card and a savings account, the interest rate is fantastic, the best saving rates going better than my high street bank. I recommend Zopa I’ve got my family using Zopa now. Reviewed on: 14th January 2023

Good

The experience of getting the Credit Card was very good. The process was strange. Reviewed on: 14th January 2023

Top brand

Very friendly team with an easy to app. Definitely the best going Reviewed on: 14th January 2023

Helpful and great card all round

Great card for what's needed .... customer service is second to none ... helped me put of a tricky situation when I was scammed .. was dealt with in a polite manner and very fast! Would definitely recommend to friends and family Reviewed on: 14th January 2023

Transparent but straightforward

Always provide relevant information, re charges, app is great can check anytime Reviewed on: 14th January 2023

Great card and app

I love Zopa as their app is excellent to help manage your card and balance. Transactions appear quickly. The tools to manage limit and set my own personal limit is great too. Reviewed on: 14th January 2023

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