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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)

Fantastic credit card

This credit card is a great tool the spending notifications are instant, payments apply instantly and it's clear when your due date is etc plus zero foreign transactions fees make this card great for shopping in foreign currency or spending when abroad. Reviewed on: 26th January 2022

The best credit card

Amazing, excellent service Reviewed on: 26th January 2022

Great Apr rate

I have been with zopa for 2 years now and never once had a problem with using or paying with them they offered me a great rate and I found it very easy to apply and so easy to manage my credit with the zopa app. I have recommended everyone I know about zopa because I find them to be one of the best when it comes to trying to get credit with a poor rating like I had Reviewed on: 26th January 2022

Great company

Very easy to work with really good and understanding how everything works Reviewed on: 26th January 2022

Very useful

Very good support in hurt days. Reviewed on: 26th January 2022

Amazing bank

Always been there, no issues and has always treated me right Reviewed on: 26th January 2022

Super service

Brilliant card the app is easy to use and understand. Zopa also let’s you know every month how you are doing and the possibility of credit increase Reviewed on: 26th January 2022

Excellent credit card

It is a card I can rely on . It has never let me down, when other cards have just when you need it. The cards App is easy to use….. great card Reviewed on: 26th January 2022

Quick, easy, convenient

Really pleased with service. They give a realist credit limit which for me is fantastic. Also very convenient to stay in touch and updated with my account at any time. I’m very happy Reviewed on: 26th January 2022

Bestever

Best lender iv had easy app to understand quick service polite staff affordable repayments I would recommend to anyone Reviewed on: 26th January 2022

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