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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)

Amazing credit

I absolutely love Zopa. Very efficient and if you get any issues they’re dealt with in a friendly manner Reviewed on: 21st February 2023

Brilliant Little life saver it helps to build your credit

Zips are amazing for not charging extortionate interest so you can build on your credit Reviewed on: 21st February 2023

Instantaneous no nonsense credit

Since I have had this card it has been smooth sailing. The app is superb and updates instantly. So far so good. Reviewed on: 21st February 2023

Brilliant concept

I like that my balance is separate to my spend balance Reviewed on: 21st February 2023

Really good

Never had any problems with this credit card, really useful Reviewed on: 21st February 2023

Excellent

Excellent service, would definitely recommend them to anyone that needs help. Reviewed on: 21st February 2023

Always great customer service!

App is easy to use, pin is easily accessible and just an overall great service Reviewed on: 21st February 2023

Great

Great service had no issues app easy to manage Reviewed on: 21st February 2023

Brilliant card

Since getting my zopa its been easy to monitor my credit at a great rate! Highley recommended Reviewed on: 21st February 2023

Great for Credit card

I’m very pleased with Zopa and specially their review on my profile which helps me to improve my credit profile Reviewed on: 21st February 2023

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