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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)

Simplicity

Simple, easy to use and access Credit Card. Added to my Google Wallet for convenience and the app to track spending and make payments. What more do you need or want from a Credit Card. Reviewed on: 21st February 2023

Simple application

Easy application to do online, quick response and great app to check balance/pay off balance. Reviewed on: 21st February 2023

Easy

Instant payment system is brilliant no waiting 3 day for your payment to clear and easy to use the app Reviewed on: 21st February 2023

A little help goes a long way

Zopa provide an umbrella when it’s raining ….others only provide it when it’s not raining Reviewed on: 21st February 2023

Very good app easy to repay money available straight away

Very good app easy to use when repaid you can use money straight away Reviewed on: 21st February 2023

Zopa credit card

Great company and up to date app.great to use and thankful they give people a chance Reviewed on: 21st February 2023

Highly recommend

Brilliant service, best credit card provider I’ve come across so far Reviewed on: 21st February 2023

Easy to apply etc

Found the application straight forward, app is easy to use and it all appears to be a no fuss no mess way of using a credit card system Inc payment when you receive your statement. Would highly recommend them to anyone who is thinking of applying. Reviewed on: 21st February 2023

Brilliant

Easy to use, easy to understand…brilliant service! Reviewed on: 21st February 2023

Easy, friendly, great service

Easy experience, no hassle and a great service Reviewed on: 21st February 2023

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