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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Good, recommended

N1, recommended friends........... Reviewed on: 21st February 2023

The best

Fast, simple and easy to use!!!!! Reviewed on: 21st February 2023

Great service

Simple, easy and quick. No nonsense with this company everything is and clear with no hidden catches Reviewed on: 21st February 2023

Zopa

Easy bank app, cushion credit is best that i known when to stop it helps me of not getting to over limit Reviewed on: 21st February 2023

Great company great credit card

Struggled to get a credit card, Zopa gave me a chance great interest rates. Could just do with credit limit looking at and going up more frequently Reviewed on: 21st February 2023

Good

Best service , good team, always ready to help Reviewed on: 21st February 2023

Very good credit company

Very happy with you guys .Will always work with you Reviewed on: 21st February 2023

Great company

This card helped me out when it really mattered especially at Christmas Reviewed on: 21st February 2023

Brilliant

Brilliant all round! Had my zopa credit card about 2 years now and never had any issues with it. Would 100% recommend. Easy to use and understand Reviewed on: 21st February 2023

Great card

Easy to apply for - quick turnaround- great App- Reviewed on: 21st February 2023

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