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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)

Very good company

Very simple application process, with an online account to keep up to date with your transactions and spending to help you manage your money. Reviewed on: 21st February 2023

Lovely people good card

Never had a problem always polite and helpful Reviewed on: 21st February 2023

Zopla

Fast efficient excellent customer service polite and helpful Reviewed on: 21st February 2023

Easy and flexible

Great communication and easy to use app. Reviewed on: 21st February 2023

Great company

Easy to use and great customer service Reviewed on: 21st February 2023

Bridge over water.

My card has helped me in a few tight spots over the past 4 months. I've got extra features through the app also so I have a savings account and financial advise and more services available if I wanted them. I've had zero problems with the card or zopa thus far and expect that to continue going forward. All done in real time as well with alerts on app after swiping my chip, it's that quick nearly. Reviewed on: 21st February 2023

Reliable and rewarding

Was their when i needed reliable and transparent Reviewed on: 21st February 2023

Excellent company , the App is sooo good

New to Zopa , but really pleased with the service Reviewed on: 21st February 2023

Great card

Great card great service and product Reviewed on: 21st February 2023

So easy to use

Never before had a credit card and did loads of shopping around but zopa stood out to me for the easy use app, being a tech gal I love to have everything at my finger tips so the app is amazing to controle and see what you spend on the credit card and pay back, the only thing they need is to get approved to be added to my wallet Reviewed on: 21st February 2023

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