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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)

Easy to use, and very reliable service .

Easy to use, and very reliable service . Super user friendly app! Reviewed on: 21st February 2023

Excellent credit card services

I have a Zopa credit card and have been extremely happy with the service I received when applying and receiving my card. The online application was straightforward and user friendly and my card arrived promptly. Would definitely recommend Zopa to friends and family. Reviewed on: 21st February 2023

Excellent

You know what you get with zopa they are always focused on you which is all that matters in my eyes Reviewed on: 21st February 2023

Fantastic opportunity and interest rate is very low

I love zopa and i am enjoying this opportunity I will recommend to my family and friends Reviewed on: 21st February 2023

Great Credit Card

This is one of the best credit cards I have had. I am kept updated constantly via emails and the app which is very easy to use. Reviewed on: 21st February 2023

Great product

I was able to use my card outside UK in Europe with extra or hidden charges Reviewed on: 21st February 2023

Very efficient

When I make payments they show online almost immediately whilst cards I had previously with other providers would take days to show Reviewed on: 21st February 2023

Brilliant!

Brilliant service from Zopa, exactly what you want and so easy to use! Reviewed on: 21st February 2023

Fabulous experience

Initially set up for a balance transfer. Easy to set up and the app is fantastic Reviewed on: 21st February 2023

Help when you need it most

In these very difficult times,I've always found zopa, to be there when I needed it the most Reviewed on: 21st February 2023

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