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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)

Great

Very flexible and very easy to use Reviewed on: 11th April 2023

Super Zopa

Consistently good service. Easy to navigate app and timely reminders about when your repayment date makes Zopa , Super Zopa Reviewed on: 11th April 2023

A great all round card

Great card but more important no additional charges for international use and a great exchange rate. Most other cards charge nearly 3% for other currency use. Reviewed on: 11th April 2023

All good for me

Very good product Very satisfying to be with zopa Reviewed on: 11th April 2023

Almost perfect!

I’m happy so far but if in the future Zopa credit card can make a balance transfer will be the best! Reviewed on: 11th April 2023

Mu used credit card the best Zopa credit card only

Service very nice and quick Response customer service Reviewed on: 11th April 2023

Brilliant easy to manage credit

Zopa card and its app are brilliant, very easy to use and informative with excellent customer service Reviewed on: 11th April 2023

Great card

Very happy with this card and great value on interest free balance transfer rate. Reviewed on: 11th April 2023

A great card for managing my money whilst improving my credit rating.

ZOPA provides a great service by allowing me to manage my credit without going above my means and improving my credit rating. The communication is excellent with timely notifications and reminders, in addition to a user friendly and comprehensive mobile app. Very impressive and responsive services. Reviewed on: 11th April 2023

Quick and painless

Incredibly easy application process with not only a guarantee of acceptance but a guarantee of my purchase and more importantly balance transfer limit and offer. All done through the app and card recieved in a couple of days. Balance transfer process was super simple and really quick and nice to save a few quid. App if user friendly with loads of great stuff in it. Reviewed on: 11th April 2023

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