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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 best

I have had a very good experience so far. Reviewed on: 3rd April 2023

Best by far

Best service by far would recomend Reviewed on: 3rd April 2023

Brilliant!

Helping me sort out my credit and can even start savings with them and earn interest Reviewed on: 3rd April 2023

Very good

I couldn’t get credit even though I’m in a very good job. Because of my past. But Zopa we’re there and there was no problem. Very quick and easy. Now I’m building my credit score thanks to Zopa. Highly recommend. Reviewed on: 3rd April 2023

Great product

Excellent, easy to use, easy to understand communication Reviewed on: 3rd April 2023

Prudence, reliable and quality providers A Plus

Zopa have been a fabulous credit card provider. Fully on board with checking my affordibility, providing monthly insights to my usage and what I can do to improve my chances of bettering my finances. I have recommended them to family and friends who have opened accounts whether savings or credit facilites. Reviewed on: 3rd April 2023

Great service

Very helpful and always on hand if needed Reviewed on: 3rd April 2023

A great credit card company with forward thinking ideas.

I love the fact that Zopa send you notifications every time you spend. Their credit card is brilliant as well as their credit scoring service. Their savings accounts have really good interest rates too which you can boost of you 'lock' your money away for a set period of time. Reviewed on: 3rd April 2023

Best in class

From application to managing the account, it’s been a beautiful seamless experience Reviewed on: 3rd April 2023

Brilliant

Customer service is amazing and there's othing that they won't try and resolve. Reviewed on: 3rd April 2023

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