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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.

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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)

Opportunity card for all of us

Thank you for accepting my application. Credit affected by fraud and domestic abuse, you took a chance on me and we have both won. I’m one of the credit worthy applicants you’ll have so thanks for the chance to prove the fat cats wrong. Reviewed on: 15th February 2021

Fantastic

Good service Helpful apps All round fantastic Reviewed on: 15th February 2021

Best credit card

Excellent service and quick to get thru on phone Reviewed on: 15th February 2021

Mr Sean McGonagle

Great app. Easy to use and keep track of spending. Reviewed on: 15th February 2021

The best provider

I was served prompted and profesional Reviewed on: 15th February 2021

Simple easy and secure.

I have only had this credit card account for 4 months. I have a limited amount of credit, which is manageable and further helps me to control my credit use as well as my improving score. Reviewed on: 15th February 2021

Quick. Easy. Professional.

Everything is straight forward with Zopa. Excellent customer service. Easy to use app. Reviewed on: 15th February 2021

Easy Peasy

Easy everything , easy application , management , budgeting . Brilliant Reviewed on: 15th February 2021

Brilliant bank

Excellent credit card. Bank always keeps us posted on the account. Very flexible! Reviewed on: 15th February 2021

I have several credit cards but none compare to Zopa, which is so much easier to deal with and has genuinely excellent customer services.

I had a problem with a payment to a provider that hid details about future payments. I wanted to cancel the transaction immediately and was prepared for a battle and argument with customer services. But they couldn’t have been more helpful and cooperative. It was cancelled and refunded within 15 minutes of my calling them. Amazing. Reviewed on: 15th February 2021

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