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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 apply

Really easy to apply ....quick decision, great rates and good customer service Reviewed on: 11th April 2023

Best thing since sliced bread

Got my card with no trouble even though I don't have a good credit score. It had a sensible limit which has come in handy during difficult times which can be payed off each month fully due to the sensible limit. The app is great easy to use with upto the minute info. It allows you to keep track of all your transactions. So yes this is an Ideal card for myself and others if used correctly Reviewed on: 11th April 2023

Very straightforward application

Every thing was smooth from start to Finnish and very professionally handled Reviewed on: 11th April 2023

Simplicity

Amazing, stylish app and very easy to use Reviewed on: 11th April 2023

Excellent Facilitiy

Flexible, highly suitable, no issues and highly responsive and dependable.. Impressed. Reviewed on: 11th April 2023

SIMPLY The best

Never had A good company who provides great services online and over the phone Reviewed on: 11th April 2023

Great credit card

affordable and easy to access easy to pay through APP Reviewed on: 11th April 2023

Marks summary

Quick and easy to use and very handy where ever you go. Reviewed on: 11th April 2023

Good credit card

Reasonable credit limit and APR for a person with less than perfect credit score. Reviewed on: 11th April 2023

Complete transparency

From start to finish and in between. There is complete transparency. You know exactly what the product is and how it works. They give free advice on how to manage the product. More products could learn from their processes and customer based focus. Reviewed on: 11th April 2023

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