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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)

Best credit card

Is the best credit card and interest not bad Reviewed on: 22nd February 2023

Amazing service

Overall they really help understand what I have and why, outlining in the perfect amount of detail why I have the credit limit I do and when repayments are and what I can do to improve my score, as well as advice to manage spending more effectively. A great service with a smooth and easy to use app that really makes it affordable and easy to get a safe amount of credit with good advice on how to and how not to use it. Reviewed on: 22nd February 2023

Easy to manage,

Great credit card, notifications, fair credit limit, brilliant app Reviewed on: 22nd February 2023

Good service

I have had a lovely experience with Zopa Reviewed on: 22nd February 2023

Fast Easy Efficiant

No nonsense banking !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Reviewed on: 22nd February 2023

The Best

I’m so happy with this card , they helps grow up my credit score . Reviewed on: 22nd February 2023

Simple to use

Very clear understanding . Tools to help keep you on track and improve credit rating Reviewed on: 22nd February 2023

Great card, great service and great value

Signed up in October last year and it was all approved within 30 minutes and card was with me within 2 days. Very efficient and goo value Reviewed on: 22nd February 2023

Good value for money

Zopa has helped wit sensible money choices Reviewed on: 22nd February 2023

Zopa credit card is the best around

I have had zopa credit card for around a year now it's been great during the year and the customer service is great they always go up and beyond to help. Reviewed on: 22nd February 2023

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