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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)

Good company

I've had no problems with this card and they always keep me up to date. Reviewed on: 11th April 2023

Zopa Credit Card

This has been one of the best experiences I have ever had. Zopa are a plain and simple company who tell you exactly what you are entitled to and when. They have given me no surprises at all. I'm really happy with the service I have had and also the support I received when I lost my job. Overall I will be completely paying off my outstanding card with Fluid and destroying the card so I can solely use Zopa. Such an amazing tool. Thanks guys and gals Reviewed on: 11th April 2023

So easy to set up

Found this card so easy to set up, and use. Lower interest rates than most. Reviewed on: 11th April 2023

Very respectable and reputable company

From my initial encounter with Zopa until now, they have provided an amazing service and always been there when I’ve needed help. Faultless Reviewed on: 11th April 2023

Great customer service

Banking app is easy to use, great customer service, competitive rates. So far, the best credit card I had Reviewed on: 11th April 2023

Great credit card

Very easy to use credit card with great rates and a range of other products. Brilliant app that is easy to use and understand. Very happy with the card. Reviewed on: 11th April 2023

Great card

These hard times this card has helped me a lot . Reviewed on: 11th April 2023

Excellent card quick arrival

Good way to boost your credit. Good start up balance. Easy way to pay back highly recommended Reviewed on: 11th April 2023

Simple Credit

Fast decision, good rate, easy application process. Reviewed on: 11th April 2023

Easy to use

It's charges are reasonable and they notify in time when the next payment are due. Reviewed on: 11th April 2023

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