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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)

Fantastic card and service

Great customer service and great card with buffers, aswell as other financial services for future Reviewed on: 21st February 2023

Excellent card

I have found this card to be extremely helpful and customer service is very much helpful with all issues. This has always been from start to finish and I always get updated on the app. Reviewed on: 21st February 2023

Credit Card Management Made Easy

The Zopa app is key to the whole Zopa experience, for me it means I can easily manage my credit card while taking note of and implementing the help/advice the app provides to increase your credit score and manage your credit responsibly. Which sounds like a whole lot of marketing guff, right? It's true though, Zopa have managed to strike a harmonious balance between providing credit via their credit card product and providing people with the tools to manage and improve their credit score all within 1 app. Reviewed on: 21st February 2023

Excellent service

Have never had any problems every transaction has been straight forward Reviewed on: 21st February 2023

Easy and Transparent

It is easy to manage the card and to keep track of your expenses each month. Plus, it's super easy to clear your balance and the payment appears instantly. Reviewed on: 21st February 2023

Extraordinary customer experience

Brilliant service and easy to navigate on the app Reviewed on: 21st February 2023

Zopa are THE BEST!!

They are straightforward and clear and have amazing products. They also reward their customers really well for managing their credit. Their app is amazing and really helps me manage my products with Zopa. Reviewed on: 21st February 2023

Zopa credit card

Best credit card company no hassles brilliant customer service Reviewed on: 21st February 2023

Satisfied

I can't complain about anything,the app works well and never had sny problem with Zopa. Reviewed on: 21st February 2023

Real clear credit

There app is great, communication is brilliant and it's so simple to keep track of everything. Reviewed on: 21st February 2023

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