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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)

In control

Makes me feel that I am in control of my money Reviewed on: 10th January 2024

Great service, security and easy to access the app.

Great service, security and easy to access the app.. couldn’t asked for more from a credit card.. Reviewed on: 10th January 2024

Manageable credit and easy to make payments on the a...

Manageable credit and easy to make payments on the app and see what your balance is Reviewed on: 10th January 2024

Brilliant easy service, with a poor credit backgroun...

Brilliant easy service, with a poor credit background Zopa still allowed me to get a card Reviewed on: 10th January 2024

User friendly app, easy to check ur balance, make pa...

User friendly app, easy to check ur balance, make payments and manage your account - great customer sevice, if you need it. Regular e-mails and updates about your account and my favourite thing is beimg able to link your accounts, insights into your credit score and how to manage this with hints and tips! Reviewed on: 10th January 2024

Zopa Credit card

Easy to understand and apply for the credit card Reviewed on: 10th January 2024

Excellent customer service no messing around waiting...

Excellent customer service no messing around waiting for your call to be answered and easy application online best credit card I have Reviewed on: 10th January 2024

Fantastic company very helpful and quick

Fantastic company very helpful and quick Reviewed on: 10th January 2024

Simple process to apply and they keep you up to date...

Simple process to apply and they keep you up to date and help with great money tips and ideas, it's clear they are more family run and care compared to other cards available they go the extra mile Reviewed on: 10th January 2024

An excellent service

An excellent service supported with a very good app that encourages you to think carefully about your spending. The chat option works really well and is useful - I have been frustrated by long telephone queues at other companies. Reviewed on: 10th January 2024

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