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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)

Credit card

Easy and not a stressful application Reviewed on: 21st February 2023

Excellent

Very very good Reviewed on: 21st February 2023

Great credit card

Have had no problem using my card for different things Reviewed on: 21st February 2023

Great credit to get you started

I have been with Zopa for a year. I have never had any problems. Everything is done on the app. It is extremely user friendly and you get great advice on how to improve your credit rating. Reviewed on: 21st February 2023

Great communication with me.

They are very reliable, good staff with good customer service. Reviewed on: 21st February 2023

Zopa just works

Their service is great so easy to use with the app absolutely no complaints at all Reviewed on: 21st February 2023

Customer control

I especially like the features where you can set a buffer within your credit limit and personalise the contactless amount Reviewed on: 21st February 2023

Zopa is best credit card provider

Zopa was easy to set up and the app is easy to use. You can make payments anytime and it doesn't take long for it to show on your credit card balance. Allowing you use the money again if you need to. Reviewed on: 21st February 2023

Easy to use company

I have had a great experience to date. Reviewed on: 21st February 2023

Service and trust

An excellent company that keeps me up to date on a regular basis on the status of my account. Highly recommended. Reviewed on: 21st February 2023

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