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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)

Alexander Stewart

Excellent value for money excellent service Reviewed on: 15th January 2026

Great customer service

Great customer service , excellent app to keep track of spending Reviewed on: 15th January 2026

Friendly affordable card addition

Smooth friendly experience from application to app download and through all communication. A friendly services team and excellent communication with clear monthly updates in the dashboard. Like it's smiley logo, zopa is a friendly affotdable card addition and I'd highly recommend Reviewed on: 15th January 2026

Great card

No hidden charges it work in every shop Reviewed on: 15th January 2026

Excellent bank

Can't fault them as a company helped me loads Reviewed on: 15th January 2026

This card never let me down been around this always...

This card never let me down been around this always worked when needed to use it Reviewed on: 15th January 2026

exactly what i expected - in a good way

i really had a positive experience with ZOPA: Credit card. everything is clear and easy to manage through the app, and i always know where i stand. the process was smooth from start to finish, with no unnecessary hassle or confusing steps. what ive appreciated most is how transparent and straightforward they are- no hidden surprises, just exactly whats explained. overall, its been a genuinely good experience and id be happy to recommend ZOPA to others. Reviewed on: 15th January 2026

They are just great

They are just great, doing what you need with minimal fuss. A great provider. Reviewed on: 15th January 2026

Brilliant company and love my credit card

Brilliant company and love my credit card Reviewed on: 15th January 2026

Straight forward yo use and repay

Easy to use, terms and conditions suit myself, and notice given upfront for pending direct debit payments. Reviewed on: 15th January 2026

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