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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)

Awesome service and credit card

Zopa are a modern with it company which has a superb app and brilliant service at competitive prices. I personally will recommend them to anyone. Reviewed on: 11th April 2023

Hassle free credit card

Credit card can be managed hassle free using app. Easy application and great customer experience. Reviewed on: 11th April 2023

Excellent

Have used this credit card and app and payment system easy to use Reviewed on: 11th April 2023

Outstanding company

Amazing, easy to use, great app, excellent apr Reviewed on: 11th April 2023

Easy process

So simple to apply for and execute thereafter Excellent communication and service Very pleased all round with this provider Reviewed on: 11th April 2023

Easiest way to be in control

Your all in control with your finances and easy to use and pay back great way to build a credit score best move I made to get this card Reviewed on: 11th April 2023

Very easy credit card

This is a great wee credit card,easy to use and ,interest rates aren't too bad Reviewed on: 11th April 2023

Good rates, great customer services

For the time that I have had my credit card with Zopa I have found them very helpful and refreshing to other credit card companies. There rates are good, helpful customer services with advisors that know there business. Would recommend to family and friends Reviewed on: 11th April 2023

Best card ever

Love the fact you can pay and within seconds it clears on your balance Reviewed on: 11th April 2023

Fast response

Very good customer service and very quick response Reviewed on: 11th April 2023

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