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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)

Great card with low interest rate

Really good card for building your credit score and has a really competitive rate compared to other cards Reviewed on: 11th April 2023

Best credit card I've had

I've had credit cards before, but nothing like my Zopa card. It's easy to use the app and navigate to see exactly what I've spent and what I need to pay. The statements come in 2 weeks before my pay date is due and I am able to pay it easily too when ever I like. I cannot recommend this card enough toy friends and family Reviewed on: 11th April 2023

A POZ THUMBS UP FOR ZOPA

No problems in any shape or form from Zopa. Took less than 5 minutes to sort out my credit card and my limit. Easy online site to navigate. Fast staff response to queries. Way ahead of any other compnies I have had dealings with. Reviewed on: 11th April 2023

Best credit card out there

I've always been pleased with the service and the app is easy to use I like the borrowing power updates Reviewed on: 11th April 2023

Easy to use

Easy to use and pay your bills always email if a payment is coming up so you don’t miss one and will help you if you can’t afford one month great company Reviewed on: 11th April 2023

Amazing - Best card.

Very easy app to navigate. All straightforward no added rubbish and great to talk to if you have a query or problem. Payments are Easy to make and theres no fuss. Plus the card is cutee Reviewed on: 11th April 2023

Easy, fast , convenient and modern

Zopa is leading banking by a mile, it's clean easy , reliable and modern app always works, does what you want , when you want, never have any issues , recommend highly to everyone Reviewed on: 11th April 2023

ZOPA

Zopa is the company that give people a second chance it’s easy to use, and it’s like having a bank manager in your pocket with so much information on the app Reviewed on: 11th April 2023

Good company

Never had a problem with them with my credit card Reviewed on: 11th April 2023

GOOD ONE

Easy and flexible card and good APR as well Reviewed on: 11th April 2023

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