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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)

Straight forward

Straight forward application, card arrived quickly and when they said it would. App is solid and never had an issue and it also helps give insight on how to improve financial situation / credit score and there is zero pressure / selling of their other products which is nice. Reviewed on: 11th April 2023

Good honest company

Hi I applied for a credit card with zopa and they had no problems giving me a credit card even though my credit history isn't perfect so I will always think zopa for that they really are there for the people who need them well done zopa Reviewed on: 11th April 2023

Zopa

I'm Happy and like Zopa credit card. Reviewed on: 11th April 2023

Great service

Very good at letting you keep within your limit Reviewed on: 11th April 2023

Great credit card

It was easy to apply for this card and received it very quickly. The app is also very easy to set up and fairly to navigate through it. The card works very well for me. Every time I use it, it notifies me how much I've spent including actual balance what is very clever and helpful! Definitely recommend it with confidence! Reviewed on: 11th April 2023

Great Card

Easy to use, friendly service, although i haven't used it much. Reviewed on: 11th April 2023

Such an easy process

Everything from the start of your application to spending on you card including balance transfers is such an easy trouble free process, the Zopa app makes it even easier. Great bank would highly recommend to anyone wanting that little extra ease from banking. Reviewed on: 11th April 2023

10/10

Friendly helpful service every time! Highly recommended! Reviewed on: 11th April 2023

Great Card for Credit Building

Very easy to manage and understand my account online. The Zopa app is very user-friendly and easy to navigate. Reviewed on: 11th April 2023

Excellent!

It's a good credit card. Has come in very useful for me especially at a time where people are struggling financially Reviewed on: 11th April 2023

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