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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)

A-mazing

I more than a bank, I love the fact that they give notification each spend so you can keep an eye on balance as well as borrowing power and lots of deals. Reviewed on: 26th January 2022

Manageable Credit

With Zopa, I’m able to take control of my credit by using a cushion option. Reviewed on: 26th January 2022

Excellent service

Very easy to get credit card and give you a limit what you can afford so you don’t get in debt not like some companies who don’t really care if you can’t afford the debt or not Reviewed on: 26th January 2022

Excellent

It’s so easy for everything to use,talk too Reviewed on: 26th January 2022

Straightforward, easy borrowing

Zopa offers me a very easy to use and understand borrowing option. Can’t fault it! Reviewed on: 26th January 2022

I like Zopa

This sarvice is very good I’m happy with Zopa Reviewed on: 26th January 2022

Great card

I'm really happy with the experience of using the credit card , it's really easy to apply and it's a quick process. Reviewed on: 26th January 2022

Great customer experience

Had a few minor problems but when i called customer service they have been really polite and it got sorted straight away love using my zopa card Reviewed on: 26th January 2022

Very easy

I've managed to get on top of my financial situation by using this service Reviewed on: 26th January 2022

easy process

really simple and easy to apply and the App works really well :-) Reviewed on: 26th January 2022

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