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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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)

Nothing special

Just upped my interest rate. Doesn’t give any benefits. Just a normal card Reviewed on: 21st February 2023

First class card

Excellent service, easy to use app keeps you up to date with transactions and payments. Increased credit limit after reasonable amount of time. Happy to refer to friends and family. Reviewed on: 21st February 2023

One of the best credit cards

I’m happy they accepted me as a client and very satisfied with them over one year now. Reviewed on: 21st February 2023

Easy and honest

Easy to set up and use, they are honest with you and give you an idea of what you can get and the services they can offer you. They then continually offer you advice on how to improve. Reviewed on: 21st February 2023

Best service.

I took out this card because I wanted to go on holiday, firstly they gave me little but I emailed them for little more because of holidays… they provided me without any hassle. ❤️❤️❤️ Reviewed on: 21st February 2023

Great service

Had nothing but great service since I’ve been with Zopa, really easy app to use as well. Reviewed on: 21st February 2023

Ease of use

Overall great card, easy to use app and regular credit increases Reviewed on: 21st February 2023

Friendly Credit Card

Zopa have been amazing, from application to running the credit card the app is so user friendly, would definitely recommend. Reviewed on: 21st February 2023

A great company

Great customer service and communication and an easy to use app Reviewed on: 21st February 2023

Brilliant card

Very good company, I recommend it to anyone Reviewed on: 21st February 2023

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