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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)

Fantastic card/Account

I took out a Zopa Card to do a balance transfer. Zopa has allowed me to save hundreds in Interest charges with other providers during my interest free period. I am now on a lower interest rate to pay the remaining debt back. I am 100% happy with this fantastic service who true do strive for there customers to be in a better position than they were whilst providing the affordable credit that may be needed. 100% recommend these folks. Reviewed on: 12th April 2023

Great for building

Tried various credit card dealers to strat to build my credit rating but Zopa have made it a smooth ride to start building it gave me best interest rate Reviewed on: 12th April 2023

Great company

Great costumer service! Very easy to use app. Reviewed on: 12th April 2023

Ease of use

Excellent app with all the information to hand ... Gives tips on improving credit rating and staying within budget. Reviewed on: 12th April 2023

Good interaction

Good product, good customer service and communication with good webpage Reviewed on: 12th April 2023

Best card

Good card with lots of benefits. Reviewed on: 12th April 2023

Helpful

They are there for all of there help for you as a customer Reviewed on: 12th April 2023

Excellent

Excellent customer service with speedy responses. Low interest rates. I also like Zopa as they don’t constantly keep offering to increase your credit limit. This in the past from other credit card providers have caused more harm than good. Reviewed on: 12th April 2023

Easy to apply

Applied easily online and card was sent out within 2 days Reviewed on: 12th April 2023

Fantastic card easy to set up and use

Brilliant and fantastic always use this code quick and easy to set up and use keeps you well informed on all products and credit scores well done Reviewed on: 12th April 2023

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