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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Good card but poor apr

So I've had the card nearly a year now and I will be paying it off shortly due to them using my Apr 3 times since I have had the card and I will not be coming back Reviewed on: 21st February 2023

Great service and easy to use

Really great service, like the fact that it also offer savings accounts and helps you to manage your money better! Reviewed on: 21st February 2023

Brilliant

Really easy to view your statements . Payments shows straight away not like other credit cards which take a few days to show on your statement. Reviewed on: 21st February 2023

Zopa credit card

Easy to use. Clear and transparent, good app. Reviewed on: 21st February 2023

Lowest interest in a credit card

It was an easy process to apply for.you can pay the basic amount or an amount you want above the basic amount and the interest paid is lower than my other credit card Reviewed on: 21st February 2023

Easy to use card and app

Excellent card company and the app is so nice and simple, alerts when you need to be informed of something so you avoid extra charges, all in all a very good card and app 5 ⭐️ Reviewed on: 21st February 2023

Great company, easy the use website

Easy set up credit card with website, customer service great, no bad experiences all been 100% good. Would definitely recommend! Reviewed on: 21st February 2023

Can't find fault!

Really happy with the service, no problems. Reviewed on: 21st February 2023

Hassle free excellent service

Everything is going well - no issues with product Reviewed on: 21st February 2023

A new start

Hi. After several rejections for credit I came across Zopa. It was a simple application for which I was successful in my application. The APR is fair and the app is great. It has helped me build a better credit score and understand money better. I have looked after my account but they are not throwing increases in my credit limit but carefully monitoring my situation. Thanks Zopa Reviewed on: 21st February 2023

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