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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)

Great Service

Good Quality Bank with Excellent customer service Reviewed on: 21st February 2023

Everything you need from a card provider

Application process was straightforward. In the year+ I have had the card there have been no problems. I get instant notification of transactions which gives peace of mind knowing if it was used without permission I would know within seconds, something that is important nowadays. Plenty of advise also available on the app if looking for loans, savings etc. I would highly recommend ZOPA to family & friends Reviewed on: 21st February 2023

Easy to work with and very helpful staff . App is also very handy and quick to navigate

I love my Zopa card and find it great to use everywhere Reviewed on: 21st February 2023

Great service

Had first class servise no problems at all Reviewed on: 21st February 2023

Best way to start

I am really pleased with your service, everything is on point. I'll recommend to everyone I know for sure. Reviewed on: 21st February 2023

Happy

No issues very efficient , easy to use no problems so far Reviewed on: 21st February 2023

Amazing

First time having a credit card, app is easy to use reasonable fees and they offer more credit if you stay in top of your spendings Reviewed on: 21st February 2023

I've had this card for a long time amazing company

I've had this card for a long time amazing Reviewed on: 21st February 2023

Credit card

It’s an really easy to use app,you receive information about your product in a regular basis and if you have any issues the live chat is super fast to use Reviewed on: 21st February 2023

Understanding

They have given me confidence to sort my finances out and given me the chance to build my credit rating up Reviewed on: 21st February 2023

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