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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)

Absolutely Fantastic

Brilliant , especially the facility to use abroad with no charges Reviewed on: 11th April 2023

Credit card

Over the years I have changed credit cards many times. Zopa is easy to use via the app and never lets you down. Reviewed on: 11th April 2023

very good

I am very satisfied with this zopa card Reviewed on: 11th April 2023

Godstime

Great service, reliable lenders Reviewed on: 11th April 2023

Awesome service

Awesome service helped me out even when others didn't give me a chance Reviewed on: 11th April 2023

Grateful for the card good to have

Enjoy my card and it's perks. Good credit card. Safe and secure Easy to use. And protected against fraudulent activities. Happy with my card Reviewed on: 11th April 2023

Highly recommend card

Excellent credit card everything is easily explained with no hidden cost or surprises and love the app makes it so easy to track spending and pay or the option of direct debit Reviewed on: 11th April 2023

Brilliant credit card!!

Easy and quick application, easy to use app with great features and excellent customer service! What more could you ask for! 100% recommended Reviewed on: 11th April 2023

Amazing

No hassle and amazing quick no hassle application even with my bad credit it was a worry hassle free process,would highly recommend to anyone Reviewed on: 11th April 2023

Easy, and simple, just like me!!

I had a terrible credit rating a couple of years ago, always dealing with cash and spending as I got it. I got the Zopa credit card and it's given me the preverbial 'kick up the a**' to sort it out. With the help of Zopa I am money cautious and nearly have saved to put a deposit on a house. The little step with Zopa, who send notifications and spending insights showed me where I need to improve. The app is easy and informative, and I am a lot more 'financially' fit, just hope my waistline follows suit! Reviewed on: 11th April 2023

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