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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43289 reviews)

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4.94

Based on 43,289 reviews, last reviewed 8th Mar 2026

146100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

I think that it is really good experience with zopa. I think that it is really good experience with zopa. I am really satisfied with zopa bank. Reviewed on: 8th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43289)

So simple

The whole process from start to finish to get a zopa credit card is so simple and easy. I got an instant desision, it was quick and pain free. My card arrived quick and the app is so easy to use and is so much more helpful than other cards i have. Thanks zopa Reviewed on: 27th January 2022

Excellent

Very easy to use and apply for and easy to maintain my account with the mobile app Reviewed on: 27th January 2022

Best card to start

Easy to get it, easy to use it. Mobile app, instant payments, many positives. Reviewed on: 27th January 2022

Best credit card I have ever had!

Best credit card I have ever had! Reviewed on: 27th January 2022

Amazing

Very helpful and amazing customer service Reviewed on: 27th January 2022

Superb Bank

Excellent bank at giving people the chance to better there credit score. Reviewed on: 27th January 2022

Absolutely Fantastic

Absolutely fantastic provider the app is so easy to use and a great card to help build your credit rating so glad I got accepted by these payments are instantly credited within munits compared to other companies and customer service is impeccable always been helpful definitely going to stay with these Reviewed on: 27th January 2022

Love it

I surprise I’ve got the card and I use it for small purchases Reviewed on: 27th January 2022

On the go credit card

Zopa customer services are very helpful and quick to give you answers there app is amazing very straight forward and easy to use only had the account a little while so am still new to zopa had never heard of this company before and came across it in one of my many searches for a credit card was so easy to apply for and quick response and before I knew it had my credit limit which I was very happy with and my new card and pin within the week got all this just in time for Christmas and it came in handy as Christmas can be a very expensive time so I was able to give my daughter and the rest of my family a very good Christmas thanks to zopa have loved this card and the company so far and hope to carry on using and have recommended this credit card to all my friends and family oh and love the feature with the app where you can look at your PIN number this is great because I’m always forgetting PIN numbers and don’t like to have all my miners the same so having it on the app is great and I don’t have to worry or panic if I’m out shopping I know you got contactless too which I absolutely love as well thank you zopa for helping me out just in time for when I really did need the help keep doing what you are doing and you will keep me as a customer for a long time. Reviewed on: 27th January 2022

Great app and customer service

The app is so easy to use and it tells you straight away when you spend and what is available Customer service is easy as well real caring people Reviewed on: 27th January 2022

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