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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)

I have not had to use customer service so I had to p...

I have not had to use customer service so I had to put neutral. I've never had a problem. The only thing that bites me a bit is not everyone and everywhere accept credit or debit cards. Infact in Ripon there are a few shops and takeaways that have signs saying cash only also if your buying privately off market place you need cash. As I settle my account in full every month I can't see the problem in whether I withdraw cash I pay the charge. But that's just my personal opinion. Otherwise I'm very happy with Zopa Bank and the app is so easy not getting updated and messed about with every week like most apps. Keep up the great work Reviewed on: 15th January 2025

Excellent credit card and good rates

Excellent credit card and good rates Reviewed on: 15th January 2025

excellent

they were there exactly when I needed them. Reviewed on: 15th January 2025

Excellent service if you have a poor credit score an...

Excellent service if you have a poor credit score and history Reviewed on: 15th January 2025

Can't ask for any more

Fantastic all round can't possibly say anything else everything exceptional Reviewed on: 15th January 2025

User friendly and I enjoyed the saving facilities it...

User friendly and I enjoyed the saving facilities it’s quite encouraging to improve the credit score.i think this the right way to go Getting Zopa on board besides having bad credit you can build your own borrowing power and you can see your achievements on the app which is wonderful Reviewed on: 15th January 2025

Before I had a loan with Zopa and after I return the...

Before I had a loan with Zopa and after I return the money my new option was Zopa card. Very useful and easy to apply . Happy to use Zopa credit card Reviewed on: 15th January 2025

Nice experience with zopa card app is working very n...

Nice experience with zopa card app is working very nice Reviewed on: 15th January 2025

A very good experience, very helpful.great company

A very good experience, very helpful. Reviewed on: 15th January 2025

Never had a problem with Zopa, always felt I have se...

Never had a problem with Zopa, always felt I have security with them not only with my money but with personal data. The statements are on time and never wrong, no problem paying early or paying extra. I also believe that if I needed help Zopa would be their for me. Reviewed on: 15th January 2025

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