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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)

Good

Very good service zopa bank My experience Reviewed on: 11th April 2023

Credit card application

Excellent company for credit card application and excellent app for payment Reviewed on: 11th April 2023

Affordable

Borrowing from Zopa is quite affordable, very detailed app to use, give you an explanation on how everything works. I would recommend it to anyone. Reviewed on: 11th April 2023

Great Credit Card

Really handy in helping my credit rating improve following my financial blip, thanks Zopa Reviewed on: 11th April 2023

Brilliant

Great card, great company. Excellent customer services. 5* Reviewed on: 11th April 2023

Great opportunities with this credit card

I am having a great experience with my Zopa credit card. Reviewed on: 11th April 2023

Never review credit limit, when others have increased it multiple times

They never increase my limit, unlike other companies have Reviewed on: 11th April 2023

Excellent company and amazing interest rates would highly recommend to anyone

I have love this credit card , and the interest rates. Amazing communication always get reminder email of dates when my payments are ready. Would highly recommend this credit card company. Have really helped me out. Reviewed on: 11th April 2023

Easy and quick to use the app and answering the questions

I am very happy with the company . They are very professional and covered everything that I needed. Reviewed on: 11th April 2023

Great product, easy to manage

Unlike other more well known credit providers Zopa are transparent, open and honest with their customers, along with providing a product which is simple to manage and understand. Reviewed on: 11th April 2023

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