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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)

Great, no fuss credit card, with exceptional app

Really easy to use. Great for letting me track my spending, with the added bonus of an instant reminder of my remaining credit balance! Reviewed on: 21st February 2023

Easy to track

Great easy to track any spending via the app, make payments etc highly recommend Reviewed on: 21st February 2023

Great service

Excellent service very happy. Great set up and very helpful. Reviewed on: 21st February 2023

Amazing

They are just brilliant! Excellent customer service. Reviewed on: 21st February 2023

Best credit card

They advise how you are doing every month and how to help get your rating better Reviewed on: 21st February 2023

Great card but no apple pay

Good card to have with an easy to use app but it’s less useable because you cannot connect it to Apple Pay. Reviewed on: 21st February 2023

Fabulous

A card where they actually look at your affordability, don't do increases simply for the sake of it unlike others Reviewed on: 21st February 2023

Amazingly efficient

It’s so easy and simple to use! The best service I have used Reviewed on: 21st February 2023

I want to win 1000

Easy to use and I like it and I really wanna win a 1000 thanks Reviewed on: 21st February 2023

A much needed friendly common sense finance company in a crazy world

I'm sure I am not the only person in the UK juggling finances at the moment! Zopa offers a great user-friendly app, a very easy application process and lots of in-app great advice and tips. Most of all this is a great way to help build my credit score back up. Highly recommended :) Paul - Liverpool Reviewed on: 21st February 2023

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