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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 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 (44349)

Great overall card

Faster dispatch after being excepted than most companies and no issues with the card during my years of having it. Reviewed on: 21st February 2023

Easy and no issues

Easy to use app and support team readily available to help Reviewed on: 21st February 2023

Simplicity

Great credit card and simple navigation around the App. Simple to use. Reviewed on: 21st February 2023

This card helped me improve my credit score it was instrumental in my being able to get car finance.

A friendly online service and also very helpful if you need to speak to someone on the phone. Reviewed on: 21st February 2023

Payments

very good experience easy payments to make no hassle and app easy to understand Reviewed on: 21st February 2023

Easy to use

The app is so easy to use and manage my account Reviewed on: 21st February 2023

Great Credit Card

Great credit card, easy to use and control. Very good customer service Reviewed on: 21st February 2023

Fast and convenient

Amazing experience. All you need is in the app. What I love is the fact that payment shows straight away on the account together with money. No need to wait 24 hours Reviewed on: 21st February 2023

A credit card for all your needs

A hassle free credit card that has looked after me very well over the past couple of years. Thank you Zopa Reviewed on: 21st February 2023

Very easy to keep track

It’s an easy card to use to increase the credit score Reviewed on: 21st February 2023

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