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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)

Easy online application and App

I received a great credit limit and reasonable APR given my previous credit history. Easy to apply online and once accepted, I could use the app online. Very pleased and would highly recommend applying. Reviewed on: 10th January 2024

I'm a very satisfied customer.

I'm a very satisfied customer. Zopa is excellent. Reviewed on: 10th January 2024

Quick and efficient process and very quick easy appl...

Quick and efficient process and very quick easy application was simple and easy to follow great facilities Reviewed on: 10th January 2024

Very easy to use, the app makes it completely clear...

Very easy to use, the app makes it completely clear what the status of your account is and the extra credit information provided is very helpful. They are responsible lenders and don’t give high limits to those who can’t afford them. All accounts can have a safety limit so you can’t accidentally go over your limit. Reviewed on: 10th January 2024

Very good experience and nice team.

Very good experience and nice team. Reviewed on: 10th January 2024

From the application to the app and using the card i...

From the application to the app and using the card it is just an easy to navigate seamless process. Reviewed on: 10th January 2024

They are excellent and very reliable

They are excellent and very reliable Reviewed on: 10th January 2024

Very good service and excellent customer support

Very good service and excellent customer support Reviewed on: 10th January 2024

Zopamarvellous

Zopa good company to work with easy to set up Reviewed on: 10th January 2024

Very good and their no problem using this card

Very good and their no problem using this card Reviewed on: 10th January 2024

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