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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Balance Transfer

The only credit card where you can pay off your balance and it shows instantly! Absolutely brilliant! So easy to use on the app. Just everything about this card and service is the best! Simple, no fuss, pay off instantly any amount. Couldn't wish for more! Reviewed on: 28th March 2022

5 star *

Application process was simple and quick to do. The app itself is really easy to keep a track of spending and even gives me tips and tricks to increase my credit score and borrowing power. Anytime I’ve had to call up, the advisor on the phone has always been really helpful and friendly. Thank you Zopa! Reviewed on: 28th March 2022

Perfect

Easy to use mobile app, text messages everytime a payment has been made, a view of your financial health status to name a few of the benefits using this card!!! I highly recommend this credit card. Reviewed on: 28th March 2022

Absolutely amazing service

Honestly, this card has been great from the get go. You’re able to set limits on your own card in case you want to limit yourself even more, you have a “borrowing power” with the app, which is like the companies version of a credit score etc, it’s just great Reviewed on: 28th March 2022

1st class serv8ce

Everything about this card is excellant. The app easy to understand. Cant find any fault with them. Reviewed on: 28th March 2022

Light at the end of a dark tunnel

When I thought I was lost and struggling to build my credit due to past errors and bad choices Zopa gave me a chance and accepted me as a customer and I couldn’t be happier with the service provided and the ease of the use of the app that they have A* Reviewed on: 28th March 2022

Fast payments

Very good card. Especially when I pay it appears on the same day Reviewed on: 28th March 2022

Simple credit card

So far so good - seems to be minimum charges. Reviewed on: 28th March 2022

Straight forward money

Never lets me down! Fast transactions! Reviewed on: 28th March 2022

I think zopa is great

I've just started using the zopa savings Account where you have to give 95 days notice to withdraw your money, this is a brilliant way for me to save Reviewed on: 28th March 2022

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