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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)

Smart and professional

Never had a bad experience with Zopa, would most definitely recommend and use them for the foreseeable future. Reviewed on: 26th January 2022

Zopa review

Excellent all round service! Plus good And helpful information regarding improving gredit score. Would highly recommend this company. Reviewed on: 26th January 2022

Great, Simple and Brilliant.

Great Bank. So easy easy to apply with a fantastic app that makes it really simple to keep track of spending. I love the fact that you can make payments through the app and it clears straight away. Reviewed on: 26th January 2022

The Best

The app is very fast that when you pay it will be posted within a few seconds unlike other companies that will take 2 business days onwards Reviewed on: 26th January 2022

Zopa so zuper

Zopa credit card is the best ….the apps is amazing and the application was straight forward …. Reviewed on: 26th January 2022

Quick and good features

The overall process was a quick and easy one with the inclusion of features not available on other banking apps. I have not regretted the decision to take an account. Reviewed on: 26th January 2022

Great company

Have a loan and credit card from Zopa. Best part is letting you know the success of your application without affecting your credit score. App for dealing with your account is great and they also send you reminders for payments due to come out of your account in advance which is always helpful. Once my loan was approved I was given a monthly payment date but you also get the option to change to a different date. Don't have a top end credit score but interest rates were much lower than other companies Reviewed on: 26th January 2022

Great credit and very easy app to use, excellent customer if you need to contact zopa.

Great credit and very easy app to use, excellent customer if you need to contact zopa Reviewed on: 26th January 2022

Excellent

Very easy application and a very fast response plus speedy delivery of the card Reviewed on: 26th January 2022

My review

It's fab ......................... Reviewed on: 26th January 2022

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