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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 card to have

Does what it says on the tin. Never had any issues but it's reassuring to know that I can contact them if I need anything. Reviewed on: 11th April 2023

Best credit card

I’ve been with Zopa for nearly a year now & I’ve never had any problems with them there’s never been any surprising charges… I would definitely recommend Zopa. Reviewed on: 11th April 2023

East or west zopa is the best

I’m using zope and comparing to other cards zope is the best card to use and enjoy purchasing and get good offers thanks for everything zopa ❤️ Reviewed on: 11th April 2023

Easy card with great service

I have had my Zopa card for a year. One issue was resolved unbelievably quickly. Love how easy the app is to use. Iys extremely user friendly. Great notifications so always kept upto date on balance etc. Highly recommend. So much so a few of my friends now have Zopa cards Reviewed on: 11th April 2023

Best credit card around

This credit card is great. It’s easy to use and so is the App. Low on charges and is accepted anywhere. I’d definitely recommend this credit card from Zopa . Reviewed on: 11th April 2023

Zopa is helping me all the way!

Great service after having a poor credit over a young age period. Helped me gain better credit profile and a great understanding for others like myself. Reviewed on: 11th April 2023

Best and easiest credit card ever

Zopa credit card is the best I’ve used as they have lots of options not just a credit card Payments are easy to manage App is nice and easy to use Credit is fair quite fair Even for bad credit 10/10 Reviewed on: 11th April 2023

Excellent credit card. Very easy to use app.

Only been with them a few months, but my experience is great. No issues whatsoever. Reviewed on: 11th April 2023

Brilliant

No fuss company so easy to deal with just brilliant Reviewed on: 11th April 2023

Communication

No hassle applying and good communication with all aspects of the credit card payments. Increase or decrease monthly payments no problem. Reviewed on: 11th April 2023

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