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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44342)

Easy to understand App.

Thé credit card gives you a substantial length of time to pay the transfer balance. The app is easy to understand and use. It offers customers useful information and tools to increase their credit score and manage their financial situation in a straight forward manner. Reviewed on: 15th February 2023

horrible

HORRIBLE! my card stopped working due to missing payment after falling ill for a few weeks and not earning as much. yet I was sent a message and it said if I made the minimum amount, the action would be stopped (min amount due on 16 February 2023) and paid it on 27 Jan. card says it is accessible and unblocked on the app but still not able to use it. Contacted over the phone and was told because of missed payments I can't use it. I explained I paid the requested amount (on 27 Jan) when I received the message to stop the card from working and way in advance of the minimum payment due date (16 Feb). yet they were giving like "oh well" answers. very unhelpful. Avoid! Reviewed on: 14th February 2023

Just an every day credit card

Use it smart and won't get overcharged Reviewed on: 12th February 2023

My world

My document îs about animals because its needed home all Time. Reviewed on: 11th February 2023

Nice company

Ok very happy with this credit card thanks Reviewed on: 11th February 2023

Very easy setup

Application was no more than 5 mins and once I’d was verified we were good to go The apr is the same for cash withdrawals and purchases at a very competitive 9.9%apr Reviewed on: 11th February 2023

Very customer focused

I've been with first direct for over 20 years. They have always been extremely helpful and I have had no reason to criticize in that time. Reviewed on: 11th February 2023

Fabulous

Great service & APR would recommend Zopa for Kaunas as well excellent customer service Reviewed on: 10th February 2023

Fabulous Credit Card provider

Providing credit card facilities for the average person with very easy to use app Reviewed on: 10th February 2023

Bad card.

I was recently informed that three hard pulls were made on my credit report, but I was not approved for the card. This is unacceptable and has caused unnecessary stress and damage to my credit score. I hope that you will take this matter seriously and improve your approval process in the future. Reviewed on: 10th February 2023

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