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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)

ZOPA when I need it most

Zopa are greatbots always to hand when I need it and the features are great like the app, being able to see my spending and changing dd details when I need to, what more could I ask for Reviewed on: 28th March 2022

Clear, Simple and Competent

App is very clear with instructions and simple to use. All information and customer service is competently handled. Reviewed on: 28th March 2022

Top class service provider

Very happy customer, would recommend to friends & family Reviewed on: 28th March 2022

Great company

Great credit card company I need to win ;) Reviewed on: 28th March 2022

Great and trusted

Good service,good app highly recommend Reviewed on: 28th March 2022

Helpful.

Happy whit your product and easy to use your app Reviewed on: 28th March 2022

Easy

Easy to.make.a.payment and its instant Reviewed on: 28th March 2022

Easy to use as it is to spell zopa

Had a loan first then use there credit card now everything fast and up to date straight away Reviewed on: 28th March 2022

Top App

Very smart and easy to use the best bank Reviewed on: 28th March 2022

Trust.

I have held a zopa account for six months with a limited credit amount of £600. I understand that the customer must build trust with the provider however, I would argue, regardless of credit rating the provider must also learn to trust their customers. No person intentionally enters into dept and will do their up most maintain a good relationship with the agency's. I feel however, the lack of trust from zopa has restricted the credit limit they have provided me. I use credit for monthly spending and clear balances every month, however with this lower limit it appears that my utilisation of credit is above 30% every month for this account, something I do not appreciate being portrayed to other credit agency. I therefore do not currently use this account. I do appreciate the simplicity of the service and that they offer other capabilities such as the saving account but due to the restricted credit limit I have given a lower rating. Would advise a more in-depth customer rating that is not solely based on credit score. Reviewed on: 28th March 2022

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