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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)

Excellent

I had got zopa credit card to increase my credit score and it really helped me to build up. Reviewed on: 11th April 2023

Balance transfer credit card

Needed a balance transfer card to save me on interest, this card was perfect offering interest free for 6 months saving me a good few quid. Reviewed on: 11th April 2023

Very good service

Like using ZOPA card online and on Google pay contact less Reviewed on: 11th April 2023

Easy to work with

Can't complain its easy to keep track my limit and even easier to make payments. Friendly staff on the other end of the phone aswell. All round enjoyable experience Thank you Zopa! Reviewed on: 11th April 2023

Amazing

Best credit card for me. Good value and tailor fit for my needs. Reviewed on: 11th April 2023

Fantastic card

Great card and great app and if ever needed there’s always someone available at the end of the phone. Highly recommended Reviewed on: 11th April 2023

Understanding Banking

Good customer service banking. Easy step by step apps to instructions to follow. Proud to be a customer. “Just wish APR will come down a bit” Reviewed on: 11th April 2023

The best credit card.

Easy to apply and affordable payments. Reviewed on: 11th April 2023

Very helpful

It handy whenever I needed it, to spend money, in a emergency.!! Reviewed on: 11th April 2023

Very good service and product

Zopa has been great, an easy to use app and simple application process - highly recommend Reviewed on: 11th April 2023

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