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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 app, fantastic credit advice and brilliant customer service.

Best company I've had a card with. Pay my balance in full monthly. 0% interest and no fees. Simple and easy to use app. Reviewed on: 25th January 2022

Great company!

Great app and card. No problems so far! Would definitely recommend! Reviewed on: 25th January 2022

Zopa is Supa

Loving this new credit card. Helps build credit score. Instantly alerts of any new transactions. Reviewed on: 25th January 2022

First class service

Zopa are smart in the way they lend, never lending for the sake of purely profit & possibly encouraging people in to unaffordable debt. Their eligibility criteria allows for smaller sums that individuals can increase sensibly over time. Top class Reviewed on: 25th January 2022

Simple and easy

Customer service excellent. Card is very affordable and the app simple to use Reviewed on: 25th January 2022

Great service

I have nothing but good things to say about this company and everything I need is all within the app Def recommend Reviewed on: 25th January 2022

Reliable and trustworthy

I have been using sopa credit card for couple of months now without any issues or stress,it's easy to use and they send you your receipt in a second immediately you pay into your account by sending it to your email,and also they make customer aware how they spend and where they buy goods. Reviewed on: 25th January 2022

fast and easy

great fast and easy to repay no probems at all Reviewed on: 25th January 2022

Excellent service

Excellent service and an easy to use app Reviewed on: 25th January 2022

Well done Zopa!

It’s a nice break from your traditional all about the money credit cards. This card leaves me feeling more in control. Reviewed on: 25th January 2022

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