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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44343)

Saviour

Pretty good service, much needed help at the time. No issues so far Nice customer interface and updates. Reviewed on: 26th February 2023

Only gives 3 months interest free on balance transfers

I needed to do a balance transfer as I was paying a lot of interest on my credit cards at the time and my credit rating wasn't great so I couldn't open another card with a mainstream bank. The only option my credit score gave was Zopa. They gave 3 months! Most companies give at least a year Reviewed on: 26th February 2023

Highly recommended

Account is easy to set up & use & great customer service is always available should the need arise. Keep up the great work Reviewed on: 26th February 2023

Brilliant

Easy access to pay for goods reminders of when payment is due early so you know when it's due so it gives me time to make the payment on time Reviewed on: 26th February 2023

Very happy

Easy to apply and app is easy to use. Having two credit limits really helped me when I was struggling Reviewed on: 26th February 2023

Easy to manage

A good quality app and card, easy to use and a cautious lender that lets you abate your finances Reviewed on: 26th February 2023

Credit card

Was very easy to apply and quick to get the card and pin Reviewed on: 26th February 2023

Easy to use

From application through to closing the account the process has been really easy, very responsive on chat and able to manage everything through the app Reviewed on: 26th February 2023

Well it is great

Easy to use, app is everyone friendly, always my go to Reviewed on: 26th February 2023

Good all

All good for me and I all was have it when I go out Reviewed on: 25th February 2023

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