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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)

All round credit card winner

From card, app and customer service when I've called them, always quick to answer any questions, very reasonable APR rate too Reviewed on: 21st February 2023

Good

Apart from a transfer issue I have had no problems Reviewed on: 21st February 2023

Excellent

comes with a great app to use as well Reviewed on: 21st February 2023

Excellent service

Excellent service and great APP, highly recommended Reviewed on: 21st February 2023

Great

I've found them very good service and very happy Reviewed on: 21st February 2023

Great company

Very helpful payments show up same day on card unlike other credit card companies and card is great design Reviewed on: 21st February 2023

Quick Quick Quick

Quick and easy to apply, use and keep updated Reviewed on: 21st February 2023

Very good service

Very good service always keeping me informed and always there for me Reviewed on: 21st February 2023

Brilliant Card

Love this card and app. I like how it splits the balance transfer and purchases up. The app is super user friendly. Which all credit cards worked in this way Reviewed on: 21st February 2023

High rate

Very high payment rate unfortunately it’s not what I signed up for Reviewed on: 21st February 2023

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