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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)

Amazing services

Amazing fair and makes you feel in control how you spend and save, Reviewed on: 11th April 2023

Best credit card

Easy to apply, easy to use. Worth it Reviewed on: 11th April 2023

Quick and hassle free process of issuing credit cards

So far I have had fantastic experience with Zopa. Their process for enrolling a new credit card was very smooth and quick. I got the credit card within 48 hrs from the time I applied. Flexible billing/payment cycle. They have great customer service who respond to us instantly. Definitely the best.... Reviewed on: 11th April 2023

Like

Like this card..................... Reviewed on: 11th April 2023

Love the credit score updates

This card is great it comes with a very helpful 2 weekly condensed credit score according to how you are running your accounts. It demonstrates to me that Zopa are a responsible lender. So far they have been great and I have already told others about how impressed with Zopa Reviewed on: 11th April 2023

The best

The best in the world, I’m really happy with this company. I recommend too everyone Reviewed on: 11th April 2023

The best credit card

The zopa card and app combination is by far the best and simplest to use. Would highly recommend to all. Reviewed on: 11th April 2023

Excellent service

Easy to apply, quick decision. The app is superb - so easy to use. Responsible lender with great customer care Reviewed on: 11th April 2023

Amazing service

Zopa have been amazing since the moment I applied for the credit card. Application was very quick and straightforward and I had my card delivered within couple of days ready to be used! I had credit cards from different companies before and the money transferring wasn’t as quick as it it with Zopa. Once money is transferred - it’s showing straightaway in my Zopa account. I have recommended this company to several of my friends with few of them getting the card already! I’m definitely staying with Zopa for a very long time! Reviewed on: 11th April 2023

Credit card

Perfect,reliable,trust,easy to have Reviewed on: 11th April 2023

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