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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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 (44347)

Just incredible.

Just an incredible company, incredible service and they didn’t even pay me to say this! Good companies are hard to find nowadays. Will defo recommend. Reviewed on: 21st February 2023

Excellent

Fabulous provider...Happy customer Reviewed on: 21st February 2023

Update in seconds

I love that the account automatically update in seconds after you make a payment. No hassle and you have access to that balance right away. No waiting 2 - 3 business days to update. It’s easy to check balance, monthly statement and if you need to update address it’s very easy to do via the app. Reviewed on: 21st February 2023

Simple and relatable credit support

essentially great support to get easy credit for short periods without hassle and easy to get hold of customer service being always willing to help!! Reviewed on: 21st February 2023

5* Credit Co. Who does help.

Credit company who helps & doesn't pester you Reviewed on: 21st February 2023

Good credit card

Very good timely & respectful company Reviewed on: 21st February 2023

Excellent card

I have had this card for a little while now its Apr is reasonable for this type of card I love it Reviewed on: 21st February 2023

Great card and easy to use app!

The whole experience with Zopa has been great so far, the application is simple, the card and app are very easy to use and manage. Would highly recommend. Reviewed on: 21st February 2023

Easy to use

Zopa was my first credit card and it has been such an easy process. I was nervous about getting my first credit card but zopa made it straightforward and easy. The app is really easy to use and to make sure payments are going out every month. I also like you can set up a cushion amount - it’s very helpful. Reviewed on: 21st February 2023

Good communication

From the original application through to the daily running of the card things go so smoothly. Any changes to the terms re communicated swiftly and clearly. The app makes keeping on top of your card simple and straightforward. Reviewed on: 21st February 2023

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