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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)

Credit card

Excellent card and you always get email telling you exactly what you have spent and where you spent it Reviewed on: 11th April 2023

Awesome

Highly recommend, spend it , enjoy it and pay it back Reviewed on: 11th April 2023

Holiday hero

When I was on holiday I couldn't use my bank card so I was so stressed but thanks to Zopa I was able to use my credit card pay what I spent using my bank app and I did this for my two weeks holiday and me and my family had a great time. never leave home without my Zopa Reviewed on: 11th April 2023

Abid Nazir

Outstanding and remarkable service that why I recommend to everyone to join Zopa Reviewed on: 11th April 2023

No hidden surprises- Excellent!

Zopa app is super easy to use, clear and easily manageable. Reminders of payment due without being pushy and has built my credit score up by over 200 since having it. Love the app…excellent!! Already recommended to friends and 2 now have one! Thanks Zopa Reviewed on: 11th April 2023

Easy to Use

Had the card for several.months now and so easy to use but also like the layer of security added, which gives me confidence that Zopa take my security seriously. Reviewed on: 11th April 2023

Easy and simple

Easy and simple to apply and very responsible and professional Reviewed on: 11th April 2023

Excellent customer experience

Have been with zopa about a year and in that time there customer service has been excellent and above, would recommend them. Reviewed on: 11th April 2023

Zopa is the best credit card i have ever used

Good customer service and excellent card information Reviewed on: 11th April 2023

Great app and communication

I love the way I'm updated every time something is spent on the card and the clear way the app shows me what I owe Reviewed on: 11th April 2023

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