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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)

Everything really good

Cards really good and good to pay off Reviewed on: 11th April 2023

Excellent Card

Ice had the best experience with Zopa. From application through to approval Could bot have been any easier. The app is fantastic helping me to keep check on my spending, easy to make my monthly repayments. Simple to pay off a bit more if I want and great customer service! Good rates too! What more could you want from a card? Reviewed on: 11th April 2023

Awesome

Really good no annual fee in my eyes is the best credit card many thanks Reviewed on: 11th April 2023

No frills

A very simple and clear application process, and low, realistic starting credit limit. A no frills approach to this credit card company. Reviewed on: 11th April 2023

Credit card

Great rates the app. Is easy to navigate and gives you all the information you need when you need it Reviewed on: 11th April 2023

Nice

Nice and easy to use , payments are easy to either pay direct debit or minimum. Always know when and how much is due in good time to pay Reviewed on: 11th April 2023

Helpful and fast

Have always been helped with any problems and treated with respect good people Reviewed on: 11th April 2023

Fabulous app and card service

Excellent menu on app, easy to navigate transactions and understand finance in a clear layout! Superb customer service and so fast at showing credits and debits . Lots of ways of using the app. Well chuffed! Glad I joined the Zopa club! Reviewed on: 11th April 2023

Very good

Very good, nothing to worry about Reviewed on: 11th April 2023

Great card

Love my card so easy and app is very clear to work Reviewed on: 11th April 2023

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