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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)

Amazing Apr rates.

Always a reliable card to use, simple online banking available from a dedicated Zopa app. Great loans also available and Car finance. I've used them all and easy to manage. Reviewed on: 21st February 2023

So easy and secure

By far the easiest credit card company to deal with so simple and transparent, helpful and informative Reviewed on: 21st February 2023

Great company

Great service and quick to fix any problems with my credit card Reviewed on: 21st February 2023

Zopa card

My zopa card has been very useful tge rates are good value for money. Reviewed on: 21st February 2023

Transfer offer was best offer

Balance transfer for first 3 month Reviewed on: 21st February 2023

Easy to use

The app is straightforward to use Reviewed on: 21st February 2023

Fuss free borrowing

Really ethical company that doesn’t feel threatening when you’re nearing your limit. Thank you Reviewed on: 21st February 2023

Convenient, Easy and Helpful

From applying to using my Zopa product I have no issues and continue as a happy customer! Reviewed on: 21st February 2023

Easy application

Application process very easy and great features such as spending insights and credit buffer. An excellent credit score boosting card! Reviewed on: 21st February 2023

Great service

Very trusting, easy to use and very helpful to keep you on track Reviewed on: 21st February 2023

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