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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)

Quality service

Helps build your credit rating and has a fantastic customer service. Reviewed on: 21st February 2023

Easy to use and vey convenient

Easy to use, excepted in most stores, great for daily shopping or when you're a bit short. And the beauty of being able to pay it off earlier is a bonus. Reviewed on: 21st February 2023

East nice company

No problems, easy to use and interest rates low. App where you can pay and track your spending easily Reviewed on: 21st February 2023

A properly modern credit card

Zopa is miles and a way the best credit card I’ve had. Excellent app, great customer service, fair interest even for poor credit, far better than a lot of its competitors. And above all, and the reason for my title - is that the instant you pay, your payment is reflected in your account. So many big name cards still take 2 full working days to reflect card payments, which can cause so much bother. None of that with Zopa - quick (instant), easy and secure payments, a simple easy to use app, a credit score tool included so you can track your progress - I have and would absolutely recommend this card to friends and family over and above any other credit card. Reviewed on: 21st February 2023

Good service provider enjoyed being with zopa

Good service provider and enjoyed a lot being with zopa Reviewed on: 21st February 2023

First class product

Very helpful and easy to use and easy to access on my phone Reviewed on: 21st February 2023

One of the best

I have no issues with them, using their service is easy and i am very happy Reviewed on: 21st February 2023

I wish I knew about Zopa before

Zopa’s credit card is so easy and flexible. I love the fact the mat you can make a payment towards your credit card and the funds are instantly available at your disposal Reviewed on: 21st February 2023

Very simple and straight forward, easy to use

Very simple and straight forward, easy to use , east to manage and stay in control over things , friendly costumer service and helpful Reviewed on: 21st February 2023

Great modern card

This card and company are very modern and very transparent . The App is very informative and easy to use. Reviewed on: 21st February 2023

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