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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Good APR.

Good APR. easy and convenient app use Reviewed on: 8th January 2024

Easy to use app, clear communication

Easy to use app, clear communication Reviewed on: 8th January 2024

Zopa is being there when we needed the most

Zopa is being there when we needed the most Reviewed on: 8th January 2024

Very helpful.

Very helpful.. helped me out when I needed it the most Reviewed on: 8th January 2024

No hassle credit card

No hassle getting my credit card and fair interest rates make my repayments so easy to keep under control Reviewed on: 8th January 2024

Better than big name Credit Cards

Applied via the App, this was a straight forward simple process as was confirming identity via camera on the App. Interest rate on borrowing, if required, is very competitive and better than some big name Credit Cards. Repayments are by Direct Debit and they send a reminder ahead of the due date. Reviewed on: 8th January 2024

Highly recommended

They are great team never had a problem with them Reviewed on: 8th January 2024

Find it quick simple to use like the interest rates...

Find it quick simple to use like the interest rates easy to use Reviewed on: 8th January 2024

Easy to use app, frequent updates on credit availabi...

Easy to use app, frequent updates on credit availability Reviewed on: 8th January 2024

Very reliable card have had no issues great service...

Very reliable card have had no issues great service and reliable Reviewed on: 8th January 2024

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