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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)

Easy to apply and use

They’re really easy to apply with and use their card and app. It also helps how clear the app is set out and the notifications help you manage your spend. Reviewed on: 21st February 2023

Amazing company & fantastic customer service support

All round excellence. Fantastic company to have my credit card with. The apps is great and always works well. And just never have any problems. Thank you Zopa! Reviewed on: 21st February 2023

Good

Good card easy to use and good app Reviewed on: 21st February 2023

well managed

my first credit card and i have had no issues, easy to set up and use, good apr and carefully managed limit Reviewed on: 21st February 2023

Very easy to navigate the app. Super simple to apply and and use the credit card. Very swift!

Wanted a credit card to build my credit rating and after over a year of refraining from trying to get a credit card, I chose to apply for zopa as they seem a modern lender with trusted experience as I have previously had a loan through them too. Reviewed on: 21st February 2023

Amazing experience with Zopa

I could not recommend Zopa enough! The ease of navigating their online banking is second to know and the app is a godsend. I have been able to avail of both credit card and loan with Zopa and both have just been the easiest experience. Would not hesitate to recommend to anyone !! Reviewed on: 21st February 2023

Customer focussed

Customer service at Zopa is 10/10. Reviewed on: 21st February 2023

Simple and easy

Simple application and easy to navigate app. Reviewed on: 21st February 2023

Always helpful

A great service with easy access to account etc . The app is awesome and aways useful to know it is there. Reviewed on: 21st February 2023

Good understanding company

Never had any issues and nothing is too much trouble for them when it comes to helping customers Reviewed on: 21st February 2023

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