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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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4.87

Based on 44,350 reviews, last reviewed 22nd 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

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd 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.

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 (44350)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Everything about Zopa is in Plain English and is sim...

Everything about Zopa is in Plain English and is simple to understand. Simple Navigation around website and ease of contact with Customer service.. Great benefits aalso. Reviewed on: 7th March 2026

Very easy to use even for older people

Very easy to use even for older people Reviewed on: 7th March 2026

Everything is clear with Zopa.

Everything is clear with Zopa. App is easy to use all transactions easy to understand. Haven’t had any issues would happily recommend Reviewed on: 7th March 2026

Zopa is a good credit card in the UK compared with o...

Zopa is a good credit card in the UK compared with others The easiest UK credit cards to get approved for. Reviewed on: 7th March 2026

very good credit card, easy to spend, you can track...

very good credit card, easy to spend, you can track all you expenses Reviewed on: 7th March 2026

Great Customer Services

I have only ever had 1 small issue with Zopa to do with my password and it was sorted immediately by Customer Services who answered the query happily Reviewed on: 7th March 2026

Excellent Service

Helpful for financial situations Reviewed on: 7th March 2026

I have been using Zoopa, there service is really goo...

I have been using Zoopa, there service is really good, their credit card is helping me a lot. Reviewed on: 7th March 2026

Great card, easy to use app to track spending

Great card, easy to use app to track spending Reviewed on: 7th March 2026

Solid credit card but brand too similar to Zilch...

I’ve been using Zopa for their credit card and overall my experience has been quite positive. The app is simple, easy to navigate, and everything from setting up the card to tracking spending feels straightforward and well designed. One thing I particularly like is the design and positioning of the credit card itself. It doesn’t feel like an obvious “credit builder” card, which I personally appreciate. Some cards are very clearly marketed that way and it can feel a bit awkward using them. Zopa’s card feels more neutral and understated, which makes it feel more normal and less stigmatising to use. It’s a small detail but it actually makes a difference. The app also makes it easy to see transactions, understand what you owe, and manage repayments. Overall it feels transparent and modern compared with some older banking apps. One drawback for me is the branding and name. “Zopa” feels very similar to “Zilch”, another UK fintech, and when I first heard the name I genuinely thought they might be related. The short Z-style name and fintech aesthetic make them easy to confuse if you’re not paying close attention. I think the branding could be clearer and more distinctive. One more thing is I find it a bit annoying to constantly put my two layer verification in with a text message. Overall though, the product itself works well. The credit card is simple to manage, the app is clean, and the experience feels modern and straightforward. Reviewed on: 7th March 2026

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