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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:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Helped me when everyone ended failed

Helped me when everyone ended failed Reviewed on: 15th April 2026

Zopa let's me no in plenty time about payment

Zopa let's me no in plenty time about payment Reviewed on: 15th April 2026

Zopa credit is excellent as you have option to payba...

Zopa credit is excellent as you have option to payback monthly a reasonable amount or if you can pay a certain amount at once to clear the debt ,Zopa always remind when a payment is due and they keep reminding so as not to miss a payment ,l strongly recomend Reviewed on: 15th April 2026

Convenient app access

Great access via the app but slightly high interest rate Reviewed on: 15th April 2026

Great card..

I’ve been using the Zopa credit card for a while now, and overall it’s a really solid, no-nonsense option. The biggest plus is how easy everything is to manage through the app. You can track spending instantly, make payments in seconds, and even freeze your card if needed. It feels very modern compared to traditional credit cards. I also like that there are no foreign transaction fees, which makes it great for using abroad. Another good feature is the “Credit Cushion,” which lets you set aside part of your limit as a buffer. It’s a small thing, but actually quite useful for staying in control of your spending. On the downside, the interest rate is quite high, so it’s definitely a card you want to pay off in full each month. There are also no rewards or cashback, which might put some people off if they’re looking for perks. Overall, it’s a great choice if you want a simple, easy-to-use credit card without hidden fees. Just don’t treat it as a long-term borrowing option. Verdict: A reliable, straightforward card that does the basics really well — ideal for everyday use and staying in control of your finances. Reviewed on: 15th April 2026

Has always been very good to me.

Has always been very good to me. Reviewed on: 15th April 2026

Zopa accepted me and I was really pleased after bein...

Zopa accepted me and I was really pleased after being refunded from other lenders want to get my credit rate back up and zopa as let me do that. Thank you Reviewed on: 15th April 2026

Easy process from start to finish, updates are great...

Easy process from start to finish, updates are great , 5 Stars Reviewed on: 15th April 2026

Very easy and convenient to use quick service

Very easy and convenient to use quick service Reviewed on: 15th April 2026

Applied for and got a credit card

Applied for and got a credit card Reviewed on: 15th April 2026

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