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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)

Excellent service

I have had a credit card with Zopa and I can say hand on heart Zopa are fantastic, customer service is excellent their % rates are reasonable and on par with other banks, and in some cases cheaper than other banks. I would recommend Zopa to everyone. Reviewed on: 26th January 2022

Simply the best

Was able monitor my spending & payments accordingly Reviewed on: 26th January 2022

Hassle free

This is my first card in years, hadn’t needed a credit card but decided to get it for emergencies. The entire process was easy to understand and the credit limit is perfect. The option to reduce it makes it easy to control how you use it. Reviewed on: 26th January 2022

Very helpful

Easy to use and good for building credit aswell as giving a mini credit report very useful Reviewed on: 26th January 2022

Best credit card

Honestly this has been the best credit card I have ever had, best interest fees Reviewed on: 26th January 2022

Easy to use app

Easy to use and updates straight away with a bank transfer. Reviewed on: 26th January 2022

Satisfaction

Generally a good way to build your credit and trust with Lenders! Reviewed on: 26th January 2022

Brilliant

Good service and good card to choose Reviewed on: 26th January 2022

Fantastic service and really helpful

Quick and easy application process. Can always get an answer to any question and with reminders about payments im never behind! Love it! Reviewed on: 26th January 2022

Able to put credit back on track

Easy to apply , easy to understand app and really helpful Reviewed on: 26th January 2022

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