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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)

Interest

Interest is high but it is easy to view balances and statements on the app. Reviewed on: 21st February 2023

Easy to use

Very easy to use with affordable credit limit. Reviewed on: 21st February 2023

Really easy to use, all online everything is instant

convinient credit really easy to use Reviewed on: 21st February 2023

Perfection

Perfect card that fits me perfectly Reviewed on: 21st February 2023

Best card out there

I find zopa really helpful. If I have a problem they are very helpful and are always giving me new ideas on how I could use zopa better. The app is very easy to use as well and has all the help I need on there. If there is something I can't find I can ring up and they answer very fast and help me out. Reviewed on: 21st February 2023

Top Marks

I use zopa for my credit card and 2 personal loans. The app is really easy to use with great tips on how to improve your eligibility and credit score. I have and would again recommend to my friends and family. Reviewed on: 21st February 2023

Perfect! Perfect! Perfect!

Customer service has been fantastic. My card arrived quickly. It’s easy to use both online and Instore. Highly recommend to everyone. Reviewed on: 21st February 2023

Simply the best

East applications, quick service and keep you informed or reminded. Tips are great too! Reviewed on: 21st February 2023

Easy to go through application process

Very easy to apply for and get set up. Easy to use app and easy to make payments. Overall a good credit card provider Reviewed on: 21st February 2023

Ease of use

Very happy with the provider. Everything is straight forward. Reviewed on: 21st February 2023

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