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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

I’d happily recommend Zopa to anyone who is looking for a new credit card… brilliant support from the moment you are onboard Reviewed on: 25th January 2022

Excellent provider always supportive

Excellent service keeps your finances in check giving that Little bit of freedom without allowing over spending. 5* Reviewed on: 25th January 2022

Highly recommended

Quick and easy application process, easy to manage account within the app, lots of useful functions within the app as well Reviewed on: 25th January 2022

Easy app to access and card

I always find having an easily accessible app for a credit card makes the experience so much better, especially for paying or amending details. Reviewed on: 25th January 2022

Why are they all not this simple

Of a number of providers I have used the service is great, the app is the easiest to use and overall it makes it a fantastic experience Reviewed on: 25th January 2022

mr Paul Anderson

Great card and easy to start also very good to build credit Reviewed on: 25th January 2022

Top card

Great card i cant fault the company, easy statements and no nonsense app Reviewed on: 25th January 2022

No hassle Good service.

Been very good to deal with if I’ve been unsure about something. App is easy to use and notifications on spending and upcoming payments due all work well. Reviewed on: 25th January 2022

Excellent all rounder

The Zopa credit card is excellent with instant response and confirmation from the app to all spending. Reviewed on: 25th January 2022

Great phone

Great quick service and very easy app. Reviewed on: 25th January 2022

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