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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)

Low cost

Never had a problem, no issues, does what it says on the tin. Reviewed on: 21st February 2023

Excellent Company

What can I say! From the start (I won’t say finish as this journey continues) the application, the decision, the setting up, the convenience, the ease (bored yet?) and flexibility is second to none. To say I am impressed is an understatement. I also have my savings pot along side my card. I get regular updates on rates and services. Happy Customer Reviewed on: 21st February 2023

Simple financing

Great company, great communication, simple financing Reviewed on: 21st February 2023

Fantastic

Zopa is helping me build my credit rating. Very happy. Reviewed on: 21st February 2023

Easy application

I applied for a zopa card which was very simple and straight forward, they gave me a reasonable credit amount and the ability to use and manage the card through the app is perfect. Reviewed on: 21st February 2023

Great company

One of the best banking companies I have ever used Reviewed on: 21st February 2023

Brilliant

Excellent service, they’ve helped me rebuild my credit and it’s so easy to do Reviewed on: 21st February 2023

Great service

No problems with this - you know where you are the whole time - brilliant Reviewed on: 21st February 2023

great card

I always have it ready for my trips, it is the best to pay my tastes Reviewed on: 21st February 2023

Easy

Easy to keep an eye on finances though the app Reviewed on: 21st February 2023

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