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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th 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 (44348)

I have a credit card, loan and smart savers account.

I have a credit card, loan and smart savers account. Quick and easy to use app never any issues Reviewed on: 22nd January 2024

No hidden jargon

Always easy to get hold of if I need to speak to anyone. easy to use app and website. All in one place, and uses words and terms everyone understands Reviewed on: 22nd January 2024

Easy to use card with no additional costs when you u...

Easy to use card with no additional costs when you use the card abroad. Best card and company I have ever used, always keeping you informed. Reviewed on: 22nd January 2024

Easy to use

Easy to use app, great service. Good rates Reviewed on: 21st January 2024

I was pre approved so process was very easy to set up.

I was pre approved so process was very easy to set up. I downloaded the app so I could control my account. I am clearly notified when my payment is due. I used the balance transfer that I requested to move to another credit card as was very quick to do. Reviewed on: 21st January 2024

Easy to deal with and great value

Easy to deal with and great value Reviewed on: 21st January 2024

I applied for a zoo’s card and was eligible, they ha...

I applied for a zoo’s card and was eligible, they have been great. Reviewed on: 21st January 2024

Competitive Apr rates.

Competitive Apr rates. And easy to use App. Reviewed on: 20th January 2024

I have always had positive feedback from Zopa

I have always had positive feedback from Zopa Reviewed on: 20th January 2024

Easy use App.

Easy to use and can track your spending on their app Reviewed on: 19th January 2024

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