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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)

Exellant

Everything you need from a card..easy to use and understand app, brilliant service Reviewed on: 26th January 2022

Really brilliant with service

It's great that no fees are added for going over limit. Sometimes it's hard to work out interest and charges but not with zopa it's brilliant Reviewed on: 26th January 2022

Exceptional benefits and service from zopa

When no one else would allow me to have a credit card, Zopa did. Zopa has a feature on their app whereby any purchase you make with the card will pop on your app almost instantly and let's you know how much you've already spent and how much you have remaining. It is also brilliant to build up your credit as long as you make sure you're paying back the minimum amount every month and not going over your credit limit you will be entitled possibly to credit limit increase I have had plenty of credit cards in the past however this has to be one of the best ones out there are. I can't possibly comment on the customer service this is because I have never needed any customer service from zopa due to them being so exceptional and their app has pretty much everything you need. This has to be one of the best credit card providers out there and certainly needs to win an award. Thank you Zopa you are a winner in my eyes. Reviewed on: 26th January 2022

Best ever

Very good service helped me out a lot and very easy to use Reviewed on: 26th January 2022

Very easy to do everything in the app

I love how easy it is to make any changes on the Zopa app. Compared to other providers, you can literally sort any problem on the app rather than having to call customer services Reviewed on: 26th January 2022

Brilliant no fuss credit card

It’s easy to apply and easy to use. Always up to date the app is superb Reviewed on: 26th January 2022

easy banking

I can see how much I have spent and availability on the app. I also get a notification every time money is spent. I would definitely recommend Reviewed on: 26th January 2022

Happy customer

Great customer service and fair lending Reviewed on: 26th January 2022

Amazing

Easy affordable keeping you on track Reviewed on: 26th January 2022

Simple. Easy and fair.

For the first time ever Zopa offered a really great easy and simple service for ordinary people. Reviewed on: 26th January 2022

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