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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)

Best Bank

All ways helpful in every aspect Reviewed on: 14th April 2023

Perfect

Perfect, can't fault the service provided. Reviewed on: 14th April 2023

Good

Perfect credit card and loan good Reviewed on: 14th April 2023

Straightforward

Really excellent card. So easy to use the app. And you can track your spending very easily. More importantly, it is so simple to set up a direct debit and make extra payments. Reviewed on: 14th April 2023

Nice credit card recommended

When I apply for credit card from first time i was approved i love this credit card. Recommend for people Reviewed on: 14th April 2023

Great credit card

I have found Zopa to be absolutely amazing! They have always been so helpful and understanding to my needs. Reviewed on: 14th April 2023

Zopa

Zopa is fair in the interests that they charge if your balance isn't paid in full, but it's still advisable to pay off your monthly balance if you can. It's helpful that they also give you multiple reminders about your payment dates so that you have more than enough time to ensure that your direct debit payment is available in your account. Overall, being a Zopa credit card holder, is a positive experience.. Reviewed on: 14th April 2023

Excellent

Excellent credit card provider. Best rate Reviewed on: 14th April 2023

Refreshingly smooth easy and quick to use

Everything has been so simple and clutter free from sign up to paying each month. Compared to other financial institutions that I deal with regularly this one actually makes me smile a bit with a feeling of satisfaction and accomplishment because it’s so simple and no frustration ever compared to the others with grind my teeth regularly ! It is certainly the quickest and easiest to pay which is what I need. So thank you for making my bills a bit easier Reviewed on: 14th April 2023

Best credit card

Easy to use and I would definitely recommend Reviewed on: 13th April 2023

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