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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Perfect

Easy to use mobile app, text messages everytime a payment has been made, a view of your financial health status to name a few of the benefits using this card!!! I highly recommend this credit card. Reviewed on: 28th March 2022

Absolutely amazing service

Honestly, this card has been great from the get go. You’re able to set limits on your own card in case you want to limit yourself even more, you have a “borrowing power” with the app, which is like the companies version of a credit score etc, it’s just great Reviewed on: 28th March 2022

1st class serv8ce

Everything about this card is excellant. The app easy to understand. Cant find any fault with them. Reviewed on: 28th March 2022

Light at the end of a dark tunnel

When I thought I was lost and struggling to build my credit due to past errors and bad choices Zopa gave me a chance and accepted me as a customer and I couldn’t be happier with the service provided and the ease of the use of the app that they have A* Reviewed on: 28th March 2022

Fast payments

Very good card. Especially when I pay it appears on the same day Reviewed on: 28th March 2022

Simple credit card

So far so good - seems to be minimum charges. Reviewed on: 28th March 2022

Straight forward money

Never lets me down! Fast transactions! Reviewed on: 28th March 2022

I think zopa is great

I've just started using the zopa savings Account where you have to give 95 days notice to withdraw your money, this is a brilliant way for me to save Reviewed on: 28th March 2022

Amazing app

Best credit card I have ever used Reviewed on: 28th March 2022

Love this credit card

Give you lots of information, don't increase credit unless you request it. I love it! Reviewed on: 28th March 2022

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