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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 to use

Zopa is a very easy card to use, balance transfers where simple and quick and had no problems with contact less, which I have found with other suppliers. Reviewed on: 11th April 2023

Great.

Easy to use, sensible credit limits. Flexibility for payment day to suit my payday. Reviewed on: 11th April 2023

First timer

Was anxious about getting my first credit card but has been easy ,straight forward and worry free. Reviewed on: 11th April 2023

Wow

Amazing and so straight forward Reviewed on: 11th April 2023

Never done me wrong

I have found zopa useful and like the advice the app offers you. Reviewed on: 11th April 2023

Excellent service

An amazing service being there when needed, supportive to help us through things and communicative always keeping me in the picture Reviewed on: 11th April 2023

Credit card

I have been with Zopa now for three months now to build my credit score and have a top service since joining Reviewed on: 11th April 2023

Excellent and friendly service

Have had the card for some six months now and am impressed by the friendliness of the service offered. Reviewed on: 11th April 2023

Lifesaver, without the faff

Zopa pulled through when I needed it most. Ut was a straightforward application and had the balance transferred right away. Worked exactly how you’d wish other banks would. Didn’t even have to go to a physical bank. Gave me the peace of mind I needed in the same time as finishing a cuppa. Thank you Zopa! Reviewed on: 11th April 2023

Perfect

Great no regrets perfect in e eryway Reviewed on: 11th April 2023

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