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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)

Great wee card

Been a customer for months now, and never any issues, pay my balance straight away using the app and even be able to use the balance straight away Reviewed on: 25th January 2022

Zopa is simply amazing

Straightforward and easy to use app and card. Reviewed on: 25th January 2022

No nonsense bank

Easy to use with security as a top priority Reviewed on: 25th January 2022

Easy and controllable credit

Very simple and effect way of building my credit rating back up. I love that it is online and make managing money easy for me. Reviewed on: 25th January 2022

Easy quick service

Zopa was so easy and quick to apply for. Decision in minutes! The app is very easy to navigate and keeps you notified when payment is due Reviewed on: 25th January 2022

Good supplier

Caring and understanding staff supported by easy clear applications Reviewed on: 25th January 2022

Easy, convenient and friendly.

A very good service with ease of use and helped me when I needed the most. A service operated by professionals. Reviewed on: 25th January 2022

User friendly

Have found it useful and handy especially the app Reviewed on: 25th January 2022

So easy to use

All good feedback app is great to use Reviewed on: 25th January 2022

BEST CREDIT CARD IVE USED

This card from Zopa bank is very efficient, I can check my balance within seconds by using the Zopa app, I can pay any outstanding amounts with a bank transfer. If I forget my pin…no problem pass security and pin is displayed. I don’t think I would use any other card now only zopa. Reviewed on: 25th January 2022

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