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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Best I've ever

Helpful on every turn and accommodating Reviewed on: 12th April 2023

Straight forward, reasonable and trustworthy credit card

This company has offered an affordable limit and has a good interest rate. Easy to get in touch and good customer service. The app is really easy to use Reviewed on: 12th April 2023

Easy to process with the application

Fast and secure and delivered good service to customers Reviewed on: 12th April 2023

repayments in real-time and having the credit available immediately,, very flexible

have use the credit and pay it as soon as possible , making the credit available as the repayment is done Reviewed on: 12th April 2023

Great card company

Smooth credit experience love how great the user experience is Reviewed on: 12th April 2023

Truly amazing company!

This company gave trust me when others wouldn’t, allowing for a small credit limit with a respectable APR. Allowing for small increases when trust was built, with no hidden charges. A+ Reviewed on: 12th April 2023

Perfect

Great app and helpful ,Law interests and great support Reviewed on: 12th April 2023

Easy to use and good rate

Great if you pay off before the end of month on interest Reviewed on: 12th April 2023

worth recommending

I passed the application very quickly without any problems. this is the first bank that works so fast. I received a credit certificate. I recommend everyone to use ZOPA Reviewed on: 12th April 2023

Brilliant friendly and easy to use

Very easy application no hidden surprises Reviewed on: 12th April 2023

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