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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

I haven’t been with Zopa that long but I find it exc...

I haven’t been with Zopa that long but I find it excellent value. I would like you so much as my credit score has gone up a great deal since I was approved so thank you so much for all your help because with out your help I don’t know what I would have done. Reviewed on: 15th January 2026

5 stars all the way for them best card I've had to d...

5 stars all the way for them best card I've had to date Reviewed on: 15th January 2026

Great customer service

I had issues getting into my account to activate my card but after some investigation we realised what the problwm was and managed to sort it out. Great customer service and havent had any issues with Zopa. Would definately recomend. Reviewed on: 15th January 2026

Used to being rejected

Having been unable to get a credit card for several years I had resigned myself to a no credit life. I originally applied expecting a rejection but to my surprise I was accepted. I use the card quite often but try whenever possible to pay it all off every couple of months and start over. Was handy at Xmas to have a card and spread the cost. Reviewed on: 15th January 2026

Very good card very easy to use amd payment is...

Very good card very easy to use amd payment is easy Reviewed on: 15th January 2026

My experience with Zopa very very good

My experience with Zopa very very good Reviewed on: 15th January 2026

Great all rounder ...

Since being with Zopa I’ve never had any issues easy to see when payments are due and payment options are easy to follow Reviewed on: 15th January 2026

Happy customer

I am a happy customer with the service provided Reviewed on: 15th January 2026

Easy to use, good communication, regular updates

Easy to use, good communication, regular updates Reviewed on: 15th January 2026

Good, but could be better

Overall, I am quite happy with the Zopa credit card. The biggest positive for me is the fact that they do not charge fees on international purchases and the exchange rates are pretty good. Having said that, there are also points where they could improve and this is why I scored 4 and not 5. The customer service is pretty good overall, easy to contact via app and quick resolution if you need to dispute unauthorised transaction etc. However, they are pretty quick to block the card if their system flags any transaction as 'suspicious' and unblocking it isn't always as fast as you would like. Occasionally, you may come across a CS representative that may not give you correct info, this can be resolved with ensuring better training. The main negative for me is the low credit limit. They do review your account on average every 6 months for eligibility for increase which is good, but the increase itself is not huge despite excellent management of account. I use the card all the time and it is paid off in full every single month, so I would expect a better credit limit which would certainly come in handy. Reviewed on: 15th January 2026

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