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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)

Easy, trustworthy and transparent.

Using the Zopa app has been very easy, it's clearly laid out and simplistic - still managing to cover everything important and supplying an efficient service. The reminders never feel intrusive and seem friendly, which puts you at ease if by chance you've missed a payment! When being offered a limit increase, it did not feel forceful and the option to not accept was visible and clear. This made me feel like they are a more trustworthy than other creditors I have used in the past. Go zopa! Reviewed on: 26th January 2022

What an amazing service

Such a great service, you can manage absolutely every aspect of your account via the smart phone application, I couldn’t be happier!!! ❤️ Reviewed on: 26th January 2022

Brilliant

Love the app has everything you need very easy to manage. Love the lock feature where you can lock an amount for emergencies Reviewed on: 26th January 2022

Very good card

Easy to use good app can pay by bank transfer too if you lose your card Reviewed on: 26th January 2022

Brilliant card to be with

Excellent service would recommend to friends and family the best card ever good for poor credit rating the card didnt take long to come through the post easy getting the app recommend this card i have put most of my colleagues at work and they are enjoying being with this card thank you amazing Reviewed on: 26th January 2022

zopa stands stunning among credit cards

The repayments made will reflect straight into account with in no time and never had a issue with zopa , wonderful company gives ample of offers Reviewed on: 26th January 2022

Very recommended

Quick And easy, good app easy to pay and keep track of everything Reviewed on: 26th January 2022

Excellent

Extremely help and easy to apply for nothing caused any issues Reviewed on: 26th January 2022

A great card and a very good app. No jargon and simple to undetstsnd

Easy process and I particularly like that payments to the card are credited within minutes. Reviewed on: 26th January 2022

Fast easy and understandable

Easy app. Easy to understand balance and credit. Fast response when payments are made. The app is well built and easy to navigate Reviewed on: 26th January 2022

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