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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Helpful for sticky situations

When money doesn’t stretch to the next payday, I know I can fall back on zopa with a good apr rate. It offers a financial safety net when I need it. Reviewed on: 25th January 2022

Zopa Bank

A great app and very easy to use interface all round great bank Reviewed on: 25th January 2022

Best bank card

Easy to use..very helpful customer services. Reviewed on: 25th January 2022

Happy customer

Excellent customer service, very helpful, would highly recommend. Reviewed on: 25th January 2022

Higher credit limit available

The Zopa visa credit card offers a much more attractive credit limit than either of my MasterCard’s the mobile app is very easy to use and full of various functions. Payments by debit card are added to your card immediately. Very pleased with the service provided. Reviewed on: 25th January 2022

Top card

Easy to use well laid out App. Alerts when you have used your card. Overall very impressed with Zopa. Reviewed on: 25th January 2022

For small purchases ... ok

Tiny credit limit compared to other cards I have but that's not necessarilly Zopa fault. I'm rebuilding after a less than perfect credit history. Reviewed on: 25th January 2022

I'm a Zopa Voter!

Used lots of credit cards in the past and nothing as easy as the zopa app. Super efficient and has other handy features too! It has my vote - highly recommend! Reviewed on: 25th January 2022

Bank with the most.

Great new bank offering modern banking to the masses Reviewed on: 25th January 2022

Good

Really nice experience and friendly staff Reviewed on: 25th January 2022

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