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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)

Quick and easy process!

Easy application, prompt communication. Would use again! Reviewed on: 21st February 2023

Keeps you in control

Easy to use app. Very secure for payments. Great customer service Reviewed on: 21st February 2023

Best choice

Zopa credit card is brilliant. One of the first credit cards I got and still one of my best. Reviewed on: 21st February 2023

Easy use and savings attached.

Smooth and easy use with an encouragement to save. Reviewed on: 21st February 2023

Amazing application process, competitive APR

Smooth eligibility process, easy to use app, and regular communication regarding rates and borrowing power Reviewed on: 21st February 2023

Brilliant and useful

Useful to brake up payments over 4 payments. And good to earn point for money off Reviewed on: 21st February 2023

Fantastic company with all the tools you need in one place

Really easy to use app and payments come straight off your balance when you credit your account. Just brilliant !!!!! Reviewed on: 21st February 2023

I m giving you 10

I m very happy because Zopa help me always Reviewed on: 21st February 2023

New Customer

I have had no problems at all with my new card and in fact when I pay into it, the balance is updated within minutes. Reviewed on: 21st February 2023

Easy to use app and no drama

Good so far nothing to complain about. Would recommend Reviewed on: 21st February 2023

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