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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)

Gave me the start I need

Gave me a start when nobody else would my score is now going up Reviewed on: 25th January 2022

The best

Very well accepted in most places easy to use Reviewed on: 25th January 2022

Simple and easy to use

App is stable and easy to use. Card works and customer service/communication excellent Reviewed on: 25th January 2022

Very good

Easy access to customer services and prompt reply Reviewed on: 25th January 2022

At the touch of an app!

Really easy application, approval was quick and very straightforward, no hoops to jump through! App was set up quickly and card received within a few days. App is so easy to use and repayment is instant, meaning your money doesn’t disappear into the banking ether for a few days whilst it reaches your account! App is live so it’s easy to keep on top of spending and repayment. Would recommend whole heartedly! Reviewed on: 25th January 2022

Great card

Great card, easy to set up and use. Never had an issue. Reviewed on: 25th January 2022

Credit done right!

I have had a great experience, I like the card, love the app, it let's you manage your money in real time. Great APR and a really easy application. Definite recommendation from me. Reviewed on: 25th January 2022

So easy to manage and low interest rate

Easy to manage through the app, messages to tell you when you’ve spent, how much and huw much left. Reviewed on: 25th January 2022

Great company!

A great company. Great customer service and overall great credit score builder! A+++++ Reviewed on: 25th January 2022

Working Progress

Working Progress on the road being the best at what you do. Reviewed on: 25th January 2022

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