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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 company

Upfront and easy to deal with always Reviewed on: 21st February 2023

Good company

Perfect amazing Good company and good people Reviewed on: 21st February 2023

Awesome Card to have in my wallet

Great company and great customer service Reviewed on: 21st February 2023

Great for credit building

Zopa was my first credit card as a new arrival to the UK. The app is great and makes your account super easy to manage, which helped me quickly build up my credit-score Reviewed on: 21st February 2023

A great company

A great credit card company, myself and my family have used for a while now. A great app to use too. Reviewed on: 21st February 2023

Life saver

With 2 in one card spending balance of £900 and balance transfer, I was able to transfer balance of 3 credit cards I had and close those accounts which help my credit score and have £900 of spending balance left. Only had 2 bills at the end of the month instead of 5. Life saver Reviewed on: 21st February 2023

Fantastic bank

Absolutely brilliant would recommend them too everyone Reviewed on: 21st February 2023

Fantastic service

App is easy to use. Application was quick and uncomplicated. Your kept informed of your borrowing power which I find really useful. Reviewed on: 21st February 2023

ZOPA

Satisfied customer and quite happy with the services Zopa provided Reviewed on: 21st February 2023

Good

Easy to make payment and no fussy at all Reviewed on: 21st February 2023

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