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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)

Very Helpful

So far this Zopa credit card has really helped me at the very time of need. I am so greatful in addition it help to improve my credit history. Reviewed on: 15th February 2021

Great to build credit

Great for building your credit.. would highly recommend Reviewed on: 15th February 2021

Excellent Service You Can Use Anywhere

I have used Clearpay, Laybuys and Partially for years now, the only downside with those is that you cannot use them everywhere. Zopa gives you the freedom to spend safely and within your limits, but does not limit your choices. I feel secure using Zopa, it is simple to use and sign up and my only issue if I had one would be I wish I had found them sooner. A wonderful service which I would highly recommend. Reviewed on: 15th February 2021

Perfect Credit Card

After having financial problems a few years ago Zopa Credit Card is helping . rebuild my credit history. The service I have 're received from Zopa has been second to none and the app is useful and easy to use. Reviewed on: 15th February 2021

Very good

Satisfied overall very helpfull I recommend to my family and friends thank you Reviewed on: 15th February 2021

Reliable and informative

Although I haven't been a customer of zopa for long, I have found their service and app easy to use and informative, getting a amount spent and remaining balance alert after each use helps me stop from over spending. Reviewed on: 15th February 2021

Chance

Giving me the chance to rebuild after making mistakes with my spending Reviewed on: 15th February 2021

Magical

Best way to get that extra cash when needed and helps you manage your money and repayments easy Reviewed on: 15th February 2021

True and honest

Never a single problem with Zopa couldn't tell you what customer service is like because i have never needed them Reviewed on: 15th February 2021

Very friendly and convenient.

I looked at Zopa as I wanted to rebuild my credit history after a few bad decisions. They process was quick, easy, friendly and efficient. The app is great, it really helps me manage the relationship and money and has friendly reminders to help me keep on top of things. Would not hesitate to recommend. Reviewed on: 15th February 2021

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