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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)

Outstanding service.

Excellent credit card experience, brilliant app functionality! Reviewed on: 21st February 2023

Definitely recommend

Straight forward set up and very secure proses. The app is easy to navigate and use from tracking purchases to making payments Reviewed on: 21st February 2023

Zopa

Brilliant company first class staff Reviewed on: 21st February 2023

Great company

Has really helped build my credit score Reviewed on: 21st February 2023

Great card

Was really easy to apply, the card has been amazing & no issues what so ever! Reviewed on: 21st February 2023

Great credit card

Happy with my experience of Zopa, no waiting for payments to clear it updates straight away, app is very easy to use Reviewed on: 21st February 2023

Service

Great customer service called up with a question and staff were so friendly and professional problem was quickly sorted out and resolved Reviewed on: 21st February 2023

Top Quality

Very Reliable Credit Card for General Usage Reviewed on: 21st February 2023

No issues.

Quick and easy application process. Reviewed on: 21st February 2023

Good to use abroad

The charges for foreign currency transactions are low, and they pop up immediately in the app on my phone, so I can keep track of what I have spent - and how much credit is remaining. The monthly payment is taken off my debit card, which means it sometimes goes out on a Saturday or Sunday ( in contrast, bank direct debits falling on a weekend or bank holiday seem to get delayed until the next working day ). Reviewed on: 21st February 2023

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