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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)

Top rated

One of the best credit cards that I’ve used! Reviewed on: 28th February 2023

Credit Card

I find the card and associated inline facilitie to be first class. I've online banking app is intuitive and na easy to use. Thank you. Reviewed on: 28th February 2023

Very simple and easy to use

Great service and very secure perfect for online shopping and when in need of extra cash Reviewed on: 27th February 2023

Great

Easy application easy to use app what more do you need to build credit score or to simply buy the bit you need but haven't got cash for Reviewed on: 27th February 2023

Responsible lender

I’m using zopa credit card over an year and I do repayment on time every month thus zopa kind enough to increase my credit limit Reviewed on: 27th February 2023

..

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Excellent customer service and easy to manage

Customer service is excellent and they are fully aware of the product. Gives all the necessary information when asked. Reviewed on: 27th February 2023

Best

Never had any problems with the company Reviewed on: 27th February 2023

Brilliant

Zopa credit card has been for me a brilliant, simple straightforward, card I highly recommend this one Reviewed on: 27th February 2023

So easy to use

So easy to use. Clear and friendly information. Brilliant! Reviewed on: 27th February 2023

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