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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 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 (44348)

Good customer service and reliable.

Good customer service and reliable. Easy access from the beginning. Very helpful with no stress. Reviewed on: 10th January 2024

Just very easy, a very smooth process

Just very easy, a very smooth process Reviewed on: 10th January 2024

Ii found them easy to use

Ii found them easy to contact and easy to use Reviewed on: 10th January 2024

Balance transfer and credit card

Zopa are good in providing credit in supporting people with their finsnces. My only issue is the credit card and balance transfer, thid should be diffrent account and if i wish to pay towards my credit card or balance trandfer that option should be available instead of having to pay all the credit card first before clearing a balance transfer. Reviewed on: 10th January 2024

Fast response no nonsense application and great cons...

Fast response no nonsense application and great consistent communication with easy repayment scheme Reviewed on: 10th January 2024

Life changer

Great value helps you with finance Reviewed on: 10th January 2024

Honest and fair from the start.

Honest and fair from the start. A pity more companies could treat customers this way. It feels like you are dealing with friends instead of a company, wouldn't hesitate to use them again. Reviewed on: 10th January 2024

Zopa credit card...is the one

I found it so easy to apply for the Zopa credit card the notify you if an increase in credit is likely and they give you the option of accepting or not Reviewed on: 10th January 2024

Super servis

Excellent servis , easy to use, easy to apply, fast decision Reviewed on: 10th January 2024

The credit card with zopa is value for money and the...

The credit card with zopa is value for money and they are very helpful if u have a query Reviewed on: 10th January 2024

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