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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 card !

Easy online app to show transactions and available balance . Reviewed on: 21st February 2023

Very good credit card

Was very easy to apply and be accepted for the card I have. Always kept informed of my limits and payments. Reviewed on: 21st February 2023

The best

They look after evryone! :) enny time ,easy to apply Reviewed on: 21st February 2023

Quick and easy

Quick application with quick decision. Brilliant app with all the features needed to keep on track with account with various payment options too Reviewed on: 21st February 2023

Awesome

Amazing app simple to use and easy for repayments Reviewed on: 21st February 2023

Easy to use product.

Happy with how easy it was to apply for the credit card and how easy the repayments are. Reviewed on: 21st February 2023

Excellent service

Easy helpful service provided ***** service Reviewed on: 21st February 2023

Excellent

Excellent credit card and savings account really enjoying my credit card and my savings account to high interest rate Reviewed on: 21st February 2023

A responsible lender with smart options

I have had many issues with credit cards offering me a higher credit limit than I can afford and not taking any responsibility for the debt they leave me at risk of. Zopa is not one of these lenders, Zopa has always been transparent and careful about any increases offered. Additionally they have a great feature called credit vision which allows me to block off part of my credit in case of emergencies Reviewed on: 21st February 2023

Smart

I just think that zopa is better than others because it's to easy to use & i have been using zopa for some quite time now. and im happy with it no problems with them at all. if u need anything they wil help you. & help you with you're account. Reviewed on: 21st February 2023

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