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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

Easy to apply and fast decision Reviewed on: 11th April 2023

Low rates, easy app

Very easy app to navigate and understand, low rates on credit card also offer some great saving tools and accounts Reviewed on: 11th April 2023

Easy, educational, enjoyable

Easy to use, same day transfers, up to date and is helping with my finance education. Reviewed on: 11th April 2023

Excellent service

Excellent service I cannot find a single fault. Perfect Reviewed on: 11th April 2023

Perfect service

From the moment I applied the service has been quick and easy They looked after me very well Professional service Reviewed on: 11th April 2023

Recommended to friends

The application was simple and received approval straight away - I have recommended this to my friends, family and work colleagues Reviewed on: 11th April 2023

Service

Excellent service and very easy to set up Reviewed on: 11th April 2023

Overall an amazing experience!

I applied for a credit card with Zopa and within minutes was approved! I’ve had no issues with anything in regards to the app or customer service if I’ve had to speak to them. Overall, my experience with Zopa has been amazing and I would highly recommend them to anyone! Made me a very happy customer ☺️ Reviewed on: 11th April 2023

Great company

Customer service are very helpful and the systems are very easy to use Reviewed on: 11th April 2023

Amazing card, brilliant customer service

The card is always been of help to me and the monthly payments are very affordable. Whenever I've spoken to customer service they are polite professional and very helpful! Reviewed on: 11th April 2023

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