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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Good interest rate, easy to use app, useful option to have a balance cap.

Reliable, easy to use with good interest rates. Reviewed on: 28th March 2022

Great app and service

The app is really easy to use and I like the colour of the card Reviewed on: 28th March 2022

Brilliant service

Zopa have been great since day 1. Their customer services are helpful and whenever I have had issues with money they have been there Reviewed on: 28th March 2022

A very friendly easy to use credit card.

I find that the Zopa credit card is really easy to use and the app makes thing so easy to keep track of. Would advise any of my close friends and family if they are looking for a credit card then zopa tops the market. Reviewed on: 28th March 2022

Easy to use

Easy to set up and use but their lending rules don't reflect that of other lenders. Not been offered a credit increase in over 12 months. Doesn't particlarly bother me but Zopa have offered only 5% of my other card max for no reason! I pay off my balances every month so perhaps I'm not the target market? So I end up not using the card. Oh well! Reviewed on: 28th March 2022

Happy service

It has been a very easy process and the app is simple to use especially when I'm not good with technology Reviewed on: 28th March 2022

Easy no fuss card

Great app very easy to use. Would recommend Reviewed on: 28th March 2022

Brilliant excellent service

Therms are fair and understanding Reviewed on: 28th March 2022

Excellent

Never had a problem good app and easy navigation Reviewed on: 28th March 2022

Stress free and easy to understand

First credit card I have had, I am in late 50's. Was simple to understand and navigate, any questions were answered professionally. Reviewed on: 28th March 2022

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