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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)

Efficient

No problems. Easy to use. No complaints. Reviewed on: 25th January 2022

No hassles at all

Not really sure how to review zopa, I applied and was excepted downloaded the app the card arrived quickly I've not had a single problem since. No hidden charges does what it says on the tin Reviewed on: 25th January 2022

Excellent

I use my credit card for everything. Online or store shopping. Never had a problem. Easy repayments. Excellent support team. Reviewed on: 25th January 2022

Fair lending

Fair rates, clear explanations and great communication not only through the application process but as an ongoing customer. Reviewed on: 25th January 2022

Easy to use

Very easy to use. All you need is in the app. User friendly app. Reviewed on: 25th January 2022

Great news

More happy to help great people Reviewed on: 25th January 2022

Superb

Easy to access, great service. Excellent experience Reviewed on: 25th January 2022

I'm still a zopa noob

Haven't been with zopa long but everything is clear and the app is so easy to use. Reviewed on: 25th January 2022

Zopa is best and give financial freedom

Zopa is great place to start financially and so helpful and updates come quickly and efficiently Reviewed on: 25th January 2022

Speedy service great app

The application process was simple and quick. The card arrived within 5 days. The app is very easy to use and everything is pretty well thought out and in a logical place. Overall a very good service and an awesome app. Keep up the good work and thanks x Reviewed on: 25th January 2022

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