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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

The no fuss customer focused credit card company

I applied for a card got accepted quickly without fuss or delay the app is brilliant easier to use that other credit card apps. As a customer I feel safe with Zopa. Reviewed on: 11th April 2023

Affordable payments

Easy to use, affordable payments. Regular updates on your borrowing power Reviewed on: 11th April 2023

Great credit cards provider

Very professional comparing to other credit card providers ( Aqua for example). Every time I made a payment into my account, I'm receiving a receipt without asking. The app is very easy to use, also provides a credit score report, which is great for having an overview over how I'm managing my finances. For New Days credit cards (Aqua), they didn't provided a payment receipt even after asking for a proof of my spending, which made me think that Zopa is miles above when speaking about trust, comparing to other credit card providers Reviewed on: 11th April 2023

Excellent service

Without doubt the best provider on the market Reviewed on: 11th April 2023

East to use

Very clear on what charges and easy to use Reviewed on: 11th April 2023

Outstanding Service

Great service provided , easy to use app and great customer service Reviewed on: 11th April 2023

Really good card

Really good card and always updating you for everything via app so very easy to keep a track of things Reviewed on: 11th April 2023

5 star credit providers

Never had an issue with Zopa, very straight forward, easy to reach out to and contact if there’s any issues. Fair prices and loyal to customers Reviewed on: 11th April 2023

Keeps my informed at every stage

Helps keep my in the know with my credit limit and lets me know when I spend on my card. Great customer support Reviewed on: 11th April 2023

Easy to use

Easy to use app just what you want Reviewed on: 11th April 2023

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