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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)

Zopa is excellent they help me build back my lost confidence in giving me another opportunity to own a credit card thar is very low and affordable rete thxs again

Zone has increased my lost confidence in having an affordable credit card the rate is affordable and my limit is increased according to my credit score thanks to Zopa online is Easty to access and I will I recommended Zopa to all my friends and family thanks a mill times to Zopa Team You guys are doing a fantastic job Reviewed on: 3rd April 2023

Flexible

I'm able to use my Zopa card wherever I want. Flexible and easy to use Reviewed on: 3rd April 2023

Excellent credit card supplier

With Zopa, I get to save as well as have access to a very reasonable credit card Reviewed on: 3rd April 2023

First class customer service and very clear communitcation

I have both savings and credit account with Zopa, very happy with both, security is excellent and would recommend to any body who wants savings to build on, since i have been with Zopa my savings interest rate has been 10X what my current bank offers and can get even more with boosted pots, very happy customer, although i had i not heard of Zopa before I highly recommend you look at the rates they are paying, Reviewed on: 3rd April 2023

Excellent

App is brilliant for both credit card and savings pot. You can transfer funds between your savings pot and nominated bank account quickly. Reviewed on: 3rd April 2023

Good credit card?

It’s been very convenient to me and easy to use Reviewed on: 3rd April 2023

Best service

Very good nice and fasy service the online banking is working good and fast happy whit ZOPA Reviewed on: 3rd April 2023

A bank that cares

I started using ZOPA as a holiday credit card but now use it for most of my banking and am delighted with the results. Reviewed on: 3rd April 2023

Zopa Credit Card

I love my Zopa Credit card its nice and brigh in colour and when you transfer money onto the card it gets aoplied immediately whuch you see available on your app no waiting for 2-3 working days and i like smart saver too which is a savings act link to your credit card this is the best credit card i have Reviewed on: 3rd April 2023

Excellent online services

Great credit card, made easy by very good app and website Reviewed on: 3rd April 2023

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