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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)

Great service

Zopa is really easy to apply and use. Fantastic service! Reviewed on: 26th January 2022

Great card

A great card the app is great easy and tells you everything you need to know without any hassle . Would highly recommend this card Reviewed on: 26th January 2022

Very clever concept.

a great idea when in a sticky situation financially, only downside is a payment every two weeks. Reviewed on: 26th January 2022

Fantastic bank ! Really helpful and on the ball

They have been fantastic with help and on the ball when I’ve had to deal with fraud , they got back to me straight away! Great customer care , which is something greatly lacking in banks today . I would recommend them to friends and family . So that’s a great big thank you from me Reviewed on: 26th January 2022

Brilliant!

Zopa is so simple to use and customer service is great. Thankyou Zopa. App is great too. No problems. Reviewed on: 26th January 2022

Easy to apply and great customer service. Can not thank them enough and also helps with credit ratings as long as you remember to pay in time.

Have had excellent service so no complaints from me. Reviewed on: 26th January 2022

Excellent service

I'm very happy with ZOPA and I especially like the way when you make a payment does not take 2 days its immediate with is impressive Reviewed on: 26th January 2022

A great card

Having had a low credit score it was hard to get approved for a credit card, with Zopa I've been able to build my credit profile to the point where I am now in a good place with my credit score which has opened up other avenues of credit for myself. Reviewed on: 26th January 2022

Modem banking for credit cards

It’s like monzo for credit, a modem app based banking experience for credit cards Reviewed on: 26th January 2022

Amazing card never had issues!

Great card, good for building credit etc Reviewed on: 26th January 2022

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