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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)

Just perfect

Apps best app everything you needed there and all information that you needed Reviewed on: 3rd April 2023

Great Credit Card

Ease of use is brilliant, everything in front of you when you need it. Would highly recommend ZOPA. Reviewed on: 3rd April 2023

Super interest rate and very useful

Easy to use with probably one of the best interest rates going, would recommend to everyone and have. Reviewed on: 3rd April 2023

thanks for the support

good customer support and assistance. Reviewed on: 3rd April 2023

Zopa - Top provider

Great company, services and customer service Reviewed on: 3rd April 2023

Reassuring Simple

I use my Zopa credit card regularly for purchases. The pending balance is always quick to clear on the very user friendly App, and easy to make payments. The whole process is reassuringly simple. Reviewed on: 3rd April 2023

Great card and savings ootions

Easy to enrol and great at sending updates, payment reminders and emails regarding money tips. Reviewed on: 3rd April 2023

Change to increase my Credit Rating

Zopa gave me the chance to improve my credit rating which has increased from 285 to 745 in just 6 months. Thank You! Reviewed on: 3rd April 2023

Best rates going

Zopa has the best rates going, with very good organisation available to users on the app. The only downside is it can take 20 minutes roughly to transfer money over! So it's best as a long term saver with money you won't need to take out. Reviewed on: 3rd April 2023

You want one of the top cards you need Zopa

In the time I have been with Zopa i realized that they are one of the top cards on the market Reviewed on: 3rd April 2023

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