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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 credit card with a different twist

The application process from start to finish was simple and straightforward, no the usual quaff when applying for credit card. Zopa makes your day to day life easier. Reviewed on: 26th January 2022

User friendly app experience

Using the app makes banking a lot more easier Reviewed on: 26th January 2022

Convenient

In a short amount of time my limit increase which I was quite surprised! This card fits in well with a person’s needs, activities and plan but please like any other credit card try paying back the full amount spend or majority of the amount to stay out of debt! Thanks Reviewed on: 26th January 2022

Excellent customer service and always helpful with any issues

Easy to arrange, customer service really helpful. Very supportive with any issues Reviewed on: 26th January 2022

Simplicity

Ease of use, fast notification of payments and transactions, clear easy online functions. 10/10 Reviewed on: 26th January 2022

Great credit card company!

My experience with Zopa has been great! The application was simple and my card arrived within a few days. The app is incredibly helpful and easy to use! Reviewed on: 26th January 2022

Credit Card

Very good bank and they give you all information what you need I recommend to everyone. Reviewed on: 26th January 2022

Very pleased

I am using Zopa as a way of building my credit score which was very poor. The app allows me to monitor my account with them very well and enables me to run the account very well Reviewed on: 26th January 2022

Easy to use app

Don't have any issues using app and friendly staff when you ring them Reviewed on: 26th January 2022

Feedback

I would recommend to anyone I’ve had no problems at all the app is so easy to use Reviewed on: 26th January 2022

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