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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)

Great Bank

Zopa are a great bank, you can save money with them, add money to your credid card, also ge car loans, I am very pleased with them Reviewed on: 22nd February 2023

The best credit card

One of if not the best credit cards Ive ever had Reviewed on: 22nd February 2023

absolutely awesome

absolutlely the best credit card provider well informed about everything that is happening well in advance and have introduced one of my friends and my son Reviewed on: 22nd February 2023

Good for currency conversion

Great card for spending in foreign currencies. Works seamlessly and very transparent in all ways you need a money lender to be Reviewed on: 22nd February 2023

Great service

From the start, Zopa has been very helpful and accommodating. They send email updates which greatly help me control my card usage. 100% recommend to others. Reviewed on: 22nd February 2023

excellent

Where to start. What a company, had no issues, easy to contact, quick and efficient to sort any queries, app is very user friendly just an all round great service and company. Reviewed on: 22nd February 2023

Amazing

Simple and easy to use very flexible if you are struggling helpful staff overall great compamy Reviewed on: 22nd February 2023

Fantastic

Easy to apply , no hidden fees, keep you up to date with payments etc , building my credit score nicely , no hassle love it Reviewed on: 22nd February 2023

Best credit card provider

As a young person with no credit history it was difficult to find a company that would lend me a credit card, then I found zopa and I have been able to improve my credit score over the last year. Their app is very easy to use with no problems Reviewed on: 22nd February 2023

Fantastic stress free credit card

I required a card to build my credt rating which is finally now paying off. Rates are resonable and communication via the app is secon to none. Easy to use and easy to keep track of spending. Reviewed on: 22nd February 2023

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