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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)

Simplicity in a complicated world

I can honestly say that I’ve never been happier with Zopa Bank. They have the easiest, simplistic yet informative approach I’ve ever experienced. From the signing up process to card activation, even now with their push notifications and app that’s fool proof, the whole journey so far has been amazing and I have no faults to pick out. Being able to call or have a live chat within seconds on the app is great for the modern world and climate we are currently in. I wish other companies, not just in the banking world could make processes, information and use of their products as smooth and appealing as this! Reviewed on: 26th January 2022

Brilliant account

Brilliant and so easy to use and easy to change payment plans and payment dates. Brilliant. Reviewed on: 26th January 2022

Fantastic card

Good experience, clear understanding, fantastic service Reviewed on: 26th January 2022

Easy to set up

Easy set up and straight forward to use. Reviewed on: 26th January 2022

A Good Helping Card

Helps to build your bad credit up Reviewed on: 26th January 2022

Easy to apply for and an very quick acceptance.

Only took 5 minutes. Very easy. Received my card within a week. Great service. Reviewed on: 26th January 2022

You will be impressed

It's better than I expected all done with no effort easy too complete with different offers thumbs Reviewed on: 26th January 2022

Brilliant card

I relatively new to Zopa but the idea of the card is brilliant and myself having low credit is a great way to build up my credit score again. Reviewed on: 26th January 2022

Best credit card

They let me track all my transactions. They also have so many minute features that make handling your credit card easy. Reviewed on: 26th January 2022

Great support

Great and easy to use always know where your limit is and how to better your spends and score Reviewed on: 26th January 2022

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