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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)

Zopa

Easy to use, sends notifications when making a purchase and tells you have much you have remaining To spend. Let's you know how much your minimum spend is due and the amount. Also when you repay your balance, it goes on straight Away and let's you spend if needed. Best credit card I've had! Reviewed on: 25th January 2022

Anita B, a happy customer

Very professional and a super quick signing up response. The App is designed to be easy user friendly and quick in keeping me updated with all news, well done Zopa. Reviewed on: 25th January 2022

Great credit card!

Really great credit card, notifies you when payments are due which is great Reviewed on: 25th January 2022

Great service

Having never heard of Zopa until it appeared as a possible credit card I might be accepted for I thought I would try it. Great service, Reviewed on: 25th January 2022

great customer services

Very quick to inform you on your account situation , either in good or bad news Reviewed on: 25th January 2022

Fantastic to use

Bit slow on offering credit increases Reviewed on: 25th January 2022

Super fast and efficient service

Of all the cards I have zopa seems to be the best I use and it's money available almost immediately once paid. Highly recommended Reviewed on: 25th January 2022

Good service

Really helpful customer service Reviewed on: 25th January 2022

Excellent company

Easy to use app. Excellent service. Would reccommend. Reviewed on: 25th January 2022

Great credit card

With Zopa if you fund it the funds reach your account within minutes. Reviewed on: 25th January 2022

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