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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

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4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 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 (44349)

Easy to use system

I have had this card for a while I find it great and easy to use Reviewed on: 21st February 2023

Great app

Simple to set up, easy to manage. Good interest rates Reviewed on: 21st February 2023

Good app and insight

Really good options and customer service. User friendly app Reviewed on: 21st February 2023

great customer service and politeness is key

Called with a tech problem they sorted in 15mins they apologised. Great service. Also they keep me up to date with latest financial happenings re interest rates etc. I say well done team! Reviewed on: 21st February 2023

Excellent service and the App is so easy to use

Having done slot of app based banking this is definitely up there with the best. Reviewed on: 21st February 2023

Low rate interest

Best credit card to spend and without breaking the bank because its low interest rate. Reviewed on: 21st February 2023

Amazing company easy credit!

Never had an issue. Credit card approved and delivered in 5 days. Every time I had an issue, the customer service answered my questions promptly and solved any query. Been with Zopa for a few years now I can’t fault them. I’d recommend them to everyone! Reviewed on: 21st February 2023

Easy, simple, adaptable

I chose Zopa as it had the adaptability and measures to help me use the credit card safely and with knowledge that I could set my limit with a back drop! It was also easy to apply and a simple set up once it was all done. I have found Zopa to be so easy to work with. Reviewed on: 21st February 2023

Easiest credit card to use.

The best thing about this card is that once you make your payment it is shown in your available balance immediately whereas other cards have their 2-3 day waits. The app is simple, accurate and easy to navigate. Customer service is always helpful. Within the Zopa app you can also see your borrowing power and credit score overview. It is the most convenient thing in my purse. Reviewed on: 21st February 2023

Really easy and reliable system

Haven’t had any issues I use my card regularly and I like the interest rate Reviewed on: 21st February 2023

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