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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)

To card provider

Zopa have been tremendous tbf. Easy to contact.. Great customer service… Great customer support… Can’t fault them at all… Reviewed on: 21st February 2023

Great service

Great service, friendly staff, simple to use app Reviewed on: 21st February 2023

Great card

Great card to help build your credit score and an app that is very easy to use. Would recommend this to anyone Reviewed on: 21st February 2023

Customer satisfaction

Honestly have to say getting credit card with Zopa wS so easy and quick excellent customer services and very quick process would highly recommend this company Reviewed on: 21st February 2023

Flexible way to pay

It is Apple Pay comparable Easy to use customer app Reminders for payment due Easy to make additional or one off payments online Reasonable interest rates Credit allowance regulated Reviewed on: 21st February 2023

Fantastic service

Zopa has always been very easy to use, and with no hidden costs or surprising costs Reviewed on: 21st February 2023

Brilliant

Easy and straight forward. Happy with the service Reviewed on: 21st February 2023

Excellent service

I have 3 credit cards and zopa is the best by far, the app is so straightforward to use and I love the credit cushion so I can put some aside for emergencies and not go over my limit!no other credit card I have has that option. Reviewed on: 21st February 2023

Best credit card

From the start of being accepted for a Zopa credit card, this has been quick & a easy process, Zopa’s app is straight forward to use. Reviewed on: 21st February 2023

Just Great.

I have found ZOPA to be an easy and accessible app for all. It is very informative, easy to work around on the app and the staff are so helpful and lovely. I like how it tells you if your credit rating has gone up and what you can do to improve this. I just find it amazing and I would never go with another credit card company again. I have referred to many Reviewed on: 21st February 2023

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