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 See your 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.

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:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Thanks it’s very nice and help me allot

Thanks it’s very nice and help me allot Reviewed on: 15th January 2026

When I applied for my credit card,the process was sm...

When I applied for my credit card,the process was smooth and straightforward. The starting rate was good as well. Security is good when you forget the password, they send a verification code to your mobile. When paying the balances it clears immediately other than waiting for hours. I love it Reviewed on: 15th January 2026

Really good experience with Zopa

Really good experience with Zopa Reviewed on: 15th January 2026

Good service

Easy to use app, fast and efficient service team on call when needed Reviewed on: 15th January 2026

Quality Bank

I’ve contacted Zopa times about managing existing products and even new ones to me, and each time their service has been top quality! Reviewed on: 15th January 2026

Zopa is so easy to use.

Zopa is so easy to use. Getting the credit card was hassle free. Everything in the app is easy to use. Reviewed on: 15th January 2026

Hannah jones

Great perks and service great customer service Reviewed on: 15th January 2026

Amazing quick and easy very simple sign up

Amazing quick and easy very simple sign up Reviewed on: 15th January 2026

Excellent, from application to setting up the app.

Excellent, from application to setting up the app. Everything available to help if needed. Not had any problems at all. Reviewed on: 15th January 2026

Zopa are brill.

Zopa helped me when no one else would. They are easy to use and have helped massively with my credit score. Hats off to Zopa. Reviewed on: 15th January 2026

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

Avios Credit Card
from TSB 3.50 from 20 reviews
Instant pay
from Incredible 4.61 from 28 reviews
Credit builder card
from thimbl. 4.41 from 18 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