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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)

Excellent

Very good support. Prompt reply to application and App very easy to use. Recommended by most of my friends. I will certainly recommend it to both my colleagues and friends. A great card to be using. Advises sensible use of credit and very frequently updates one as to best ways of using credit. Reviewed on: 11th April 2023

Great card, great provider

really good card, great company to deal with Reviewed on: 11th April 2023

Excellent service

Best service and fast This company is best then other Reviewed on: 11th April 2023

Very easy company to deal with.

Applied for card, instantly accepted and card was sent to me within days. Like the fact that you get a notification each time me you use it. Reviewed on: 11th April 2023

Amazing

I love this company because they took a chance on me when no one else did and I am greatful for the opportunity to prove every other company wrong and I have received nothing but help and support building my credit score back up after an abusive relationship. Reviewed on: 11th April 2023

Great Company

Zopa are so easy to use, fast and efficient and have thought of everything. Even extra privacy when you receive your new card you sign on the app to get your pin. Great idea and less post. Overall really happy customer. Thank you Zopa. Reviewed on: 11th April 2023

Easy to understand with no catches

Easy application , app is great to keep a track of spending and payments . Reviewed on: 11th April 2023

Brilliant company

Really very helpful in getting my credit rate sorted. So easy to apply. Everything is so straightforward from applying to activating your card. Help available all the time. Reviewed on: 11th April 2023

Exactly what you expect

Great customer service, I've contacted them a couple of times and they're really helpful. A pleasure to deal with and so easy to run your account. Kept upto date at all turns. Reviewed on: 11th April 2023

Efficient, fast and friendly

I recently applied for a Zopa card and the service was excellent ! Reviewed on: 11th April 2023

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