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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)

Very easy to apply for.

Very easy to apply for. Give outcome straight away. Reviewed on: 10th January 2024

No problems, great app, great all round experience a...

No problems, great app, great all round experience as a first credit card experience. Thank you for helping take ownership of my credit rating Reviewed on: 10th January 2024

Helpful, supportive and my life is now on track

They have helped me get back on the straight and narrow after years of poor credit history and struggling. customer service are all ways supportive and helpful. Reviewed on: 10th January 2024

Very organised credit card company always there when...

Very organised credit card company always there when you need them Reviewed on: 10th January 2024

I am more than happy with the cost of credit to me a...

I am more than happy with the cost of credit to me and very happy that I'm building my credit rating with the help of zopa Reviewed on: 10th January 2024

Great rates on borrowing and saving pots and the app...

Great rates on borrowing and saving pots and the app is easy to understand and use. Many different products available Reviewed on: 10th January 2024

Swift service and excellent customer service

Swift service and excellent customer service Reviewed on: 10th January 2024

I love Zopa is so easy and convenient and the paymen...

I love Zopa is so easy and convenient and the payments are so easy and customer service is excellent and friendly I would recommend Zopa most definitely Reviewed on: 10th January 2024

Zopa is an excellent card for me.

Zopa is an excellent card for me... It's so simple to use and you know exactly where you are with your finances at all times. Other credit cards are over complicated and zopa have nailed it !! Reviewed on: 10th January 2024

Excellent customer service and great app

Excellent customer service and great app Reviewed on: 10th January 2024

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