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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%
See only 2 star reviews
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
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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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Zopa Credit card reviews (44348)

MR ADRIAN PUIU

5
yes it is a successful and very good bank..I am very satisfied with this Bank ZOPA Reviewed on: 21st February 2023
Puiu Adrian's avatar
Puiu Adrian

Excellent

5
Absolutely love this card, I call it my holiday card! Low interest easy to pay easy to keep track great updates love love love it Reviewed on: 21st February 2023
Lori's avatar
Lori

Great all round credit card

5
I took out my Zopa credit card with the balance transfer option. The application was simple and straightforward and the balance transfer process was so simple. Reviewed on: 21st February 2023
Paul's avatar
Paul

The best

5
They keep you informed about other products Reviewed on: 21st February 2023
christinaatherton@outlook.com's avatar
[email protected]

Not too shabby!

5
One of the most appealing aspects of the card was the interest-free period of up to 56 days each billing period, which provided me with ample time to pay off any balances I incurred without accruing interest charges. This feature made budgeting much easier and less stressful. The 0% foreign transaction charge made it a great choice for international travel. This saved me money on each transaction, which I found to be incredibly valuable. Overall, I highly recommend this credit card to anyone looking for a great balance of features and benefits. Its minimum credit limit, interest-free period, low foreign transaction charges, and reasonable Representative APR make it an excellent choice for those seeking a reliable and affordable credit card. Reviewed on: 21st February 2023
Dala's avatar
Dala

Great customer service, always advises when your bill is due to be paid and when you spend.

5
I have a great experience, always there to help. Reviewed on: 21st February 2023
catherine grierson's avatar
catherine grierson

App

5
The app is so easy to work I would like higher credit limit but it will come in time Reviewed on: 21st February 2023
andy_stevieg@sky.com's avatar
[email protected]

Reasonable, Reliable and Easy

5
The interest rate was very reasonable considering my credit score. I’m really glad that Zopa gave me the opportunity to build my credit score again, already it’s jumped up in the few short months since having it. The app to manage my credit card is really easy to use and I’ve never had problems with it. Not to mention the application process was so simple and hassle free. Reviewed on: 21st February 2023
Lucy's avatar
Lucy

Great company

5
Amazing experience with this company. App is easy to use and straightforward. The rate could be a bit better thou Reviewed on: 21st February 2023
Paul's avatar
Paul

Excellent

5
Excellent service highly reccommend Reviewed on: 21st February 2023
Susanne Hallworth's avatar
Susanne Hallworth

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