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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)

Clean and simple

A clear and straightforward app to manage my credit card with all of the options that I need, transactions, pin reminder, freeze/unfreeze card etc. I like the option of blocking certain types of payments such as gambling or ATM Reviewed on: 25th January 2022

Good

Good to use and very easy to use very help full Reviewed on: 25th January 2022

Excellent

A great customer service, brilliant company who put the customer first Reviewed on: 25th January 2022

Easy and efficient banking!

Have been with Zopa for a while now and have always found them easy and efficient to deal with. Their app allows for total control of your account. Reviewed on: 25th January 2022

helpful controlled finance

one way to help you control you spend when you need help Reviewed on: 25th January 2022

A*******

Awesome ,easy to use , no issues A+ Reviewed on: 25th January 2022

They are 'Zuper Zopa' that is all !!

I have had good experiences with this company and any issues that have arisen during my time as a cardholder have been dealt with efficiently and professionally at all times .. that combined with the measures taken to verify payments is reassuring each and every time . I feel the decision to the increase of spending allowed is taken carefully and diligently..so from my experience I can award full marks to date . Thank you. Reviewed on: 25th January 2022

Zopa, Supa!

Zopa give you as much information about using their products as possible, for the end user to know exactly how things work. They are very open about charges, and the app is very easy to use Reviewed on: 25th January 2022

Excellent all round!

Sensible starting balance and online support if required. None hassle straight forward transactions. Reviewed on: 25th January 2022

Good starter card

It’s high interest rate but they let you know date cash will be taken all helps keep you on level. ground Reviewed on: 25th January 2022

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