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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:

Great company, great products!

Great company, great products! App is brilliant, everything is clear and simple. Super fast communication and applications dealt with and processed extremely fast. Love Zopa! Reviewed on: 1st March 2025

Honest experience using this credit card

Efficient and clear service is made easy for new customers Reviewed on: 15th January 2026

Never had any problems with Zopa excellent service

Never had any problems with Zopa excellent service Reviewed on: 15th January 2026

Never had any problems and I like the fact that goin...

Never had any problems and I like the fact that going over your limit by the added interest won't cost you £12 Reviewed on: 15th January 2026

Great Service Good Communication From Advisors Help...

Great Service Good Communication From Advisors Help Appreciate Keep Up The Good Work Reviewed on: 15th January 2026

Great customer service, very good app and easy to us...

Great customer service, very good app and easy to use, helping to manage finances effectively with lots of tips and ideas. Able to see how my spending effects my credit score and ways to improve, ability to see my options. Reviewed on: 15th January 2026

Excellent service, the app is so easy to navigate,gi...

Excellent service, the app is so easy to navigate,gives you all the relevant information that you want and excellent savings advice. They keep you informed when any payment is due,so you are always made aware of when your payment is taken, which is very helpful. I would recommend Zopa to anyone enquiring about a financial service Reviewed on: 15th January 2026

Zopa Credit Card

Excellent customer service. Offer good advice Reviewed on: 15th January 2026

Always ready to help.

Always ready to help. Easy to navigate site. Reviewed on: 15th January 2026

Low monthly payment interest charges could be a bit...

Low monthly payment interest charges could be a bit lower Reviewed on: 15th January 2026

Easy application.

Application process was easy, I like the amount of communication sent out, just enough. App is well thought out and easy to use. Interest rates are in line with other cards. Reviewed on: 15th January 2026

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