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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
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0%
See only 1 star reviews
0%

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
Gary Keaney's avatar
Gary Keaney

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
Read all reviews Write a review

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.

Review Zopa: Credit card now

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Zopa Credit card reviews (44348)

Quick, easy

5
Very good service, quick and easy to use Reviewed on: 11th April 2023
Carol's avatar
Carol

Zopa

4
Zopa really helped when I could not get any other cards Reviewed on: 11th April 2023
Fernanda Toledo Bailey's avatar
Fernanda Toledo Bailey

Easy & Simple

5
I have a credit card and balance transfer with 0% interest till May. It was amazingly easy to sign up and I got a quick acceptance. The app is simple to use and has allowed me to have piece of mind over my finances Reviewed on: 11th April 2023
Sinead McMillan's avatar
Sinead McMillan

Brilliant

5
Found the company very helpful with any request. Quick and precise explanation of any questions. The app is fantastic Reviewed on: 11th April 2023
Carlton Balm's avatar
Carlton Balm

Zopa was there when I needed them.

5
Zopa helped me when I needed it, the app is very helpful and user friendly and over all a good product I recommend. Reviewed on: 11th April 2023
Iain 's avatar
Iain

So easy

5
Zopa are clear and concise on everything, account is easy to run, it’s easy to see how much you are spending and they have tools to help you keep your credit score within limits. Reviewed on: 11th April 2023
Alison's avatar
Alison

Good Credit card

4
Its a good credit card for people with average credit score. the approved limit was much higher than capital one, although their rate of interest is considerably low, but that doesn't concern me as i pay the balance in full. the mobile app is good and whenever you pay , it gets credited to the account almost instantly. would recommend Zopa to others. Reviewed on: 11th April 2023
Jagan Babu's avatar
Jagan Babu

Love the app

5
Great simple clear effective! You always know where you are with your balance Reviewed on: 11th April 2023
Paul Kitching's avatar
Paul Kitching

Supportive provider

5
Supportive provider, allowing you the right limit for you dependant on your circumstances. Reviewed on: 11th April 2023
Dan8469's avatar
Dan8469

Perfect

5
Excellent Apr rates and easy to apply for. Excellent communication with customer services. Reviewed on: 11th April 2023
Helen's avatar
Helen

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