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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)

Super Easy Use

Very easy to use. Easy sign up. Good customer service. Reviewed on: 21st February 2023

Excellent

Excellent service from the start. Would definitely recommend to family and friends. Reviewed on: 21st February 2023

Quick and easy

Good app, quick and easy to set up Reviewed on: 21st February 2023

Amazing

Proper helps amazing service had bad credit and this has helped alot Reviewed on: 21st February 2023

Great communication and service

Very straight forward application process and the best banking app I've ever used. Reviewed on: 21st February 2023

Easy to apply for

Easy to apply for, eady set up, easy all round use and regular credit increases. Reviewed on: 21st February 2023

Brilliant !!

This is a brilliant company and the app is so simple to use. Would highly recommend Reviewed on: 21st February 2023

Fantastic

Zopa has provided me with flexible straight forward finance with clear no jargon terms Reviewed on: 21st February 2023

Wonderful experience

My first credit card is with Zopa, they have the best friendly team. Customer service is amazing Reviewed on: 21st February 2023

I never thought I'd say this.. I love my credit card!

I recently opened an account with Zopa as I love my Monzo account and heard they run a similar model/business. It was super easy to set up an account and go through all of the steps then I received my card within days. I love using the app and having the notifications pop up each time I spend on my card so I can keep track of my spending. I also reached out to customer service to ask a question and the service was second to none, I had a response within minutes and they resolved my query. I always get asked what is Zopa and always recommend it to anyone who asks as I love everything about Zopa!! I wish I'd found them sooner!! Reviewed on: 21st February 2023

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