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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)

My Go to Card

The app is amazing, with everything at my fingertips, i can budget easily whilst working out spending and i can choose to put a buffer in place to stop me going over my limit. What's not to like, As the title suggests this is now my go to card Reviewed on: 21st February 2023

No hidden fees and straightforward to use

Better than other credit card services, as they pay any amount before interest automatically if you allow them to. Other cards im with do not allow an option like this and you rack up fees. Reviewed on: 21st February 2023

Brilliant service and customer service.

They are always happy to help with outstanding customer service. Reviewed on: 21st February 2023

Great Business

Found to be very helpful and the app works well too Reviewed on: 21st February 2023

Brilliant

This credit card has helped me so much easy application process and easy app love it I had capital one before Zopa would never go back Reviewed on: 21st February 2023

good card

just the card i always needed never had an issue Reviewed on: 21st February 2023

Helping me with my bad credit

I got this card to help me manage my credit score and get myself into better habits. This card has helped me budget by only increasing my limit when I’ve proven I can manage the exiting limit Reviewed on: 21st February 2023

Best card

I have enjoyed using the Zopa credit card and benefited from financial advice I get on the zopa app every month. Reviewed on: 21st February 2023

Brilliant company

Very helpful and good tips for financial help Reviewed on: 21st February 2023

Brilliant partnership with the consumer and themselves

I hadn't heard of Zopa before. Once I tried it, I never looked back. Their system is so easy to navigate your way around. I struggle with some banking apps, but they make it so easy and simple. Many providers should take note and follow what Zopa are doing right. Reviewed on: 21st February 2023

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