Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Great interest rate

Easy to use and does everything that a credit can be expected to do. Makes my previous cards superfluous Reviewed on: 25th January 2022

Very effective way of banking

I struggle with my credit but with the regular updates and Information, I’m able to keep up to date and on track to improving my credit score Reviewed on: 25th January 2022

Zopa is the futuristic way forward easy and affordable in every way

The brilliance with Zopa it’s stress free and easy and clear to manage specially with the app. Use and pay funds instantly Yes INSTANTLY funds appear back on the card within seconds.. it beats any other brand hands down and that’s the Zopa truth, I’ve even got my mother and sister on it it’s that impressive. Reviewed on: 25th January 2022

Top quality

The best available easy to use app and good service Reviewed on: 25th January 2022

Great product

Really easy to use and manage, app is simple, I know where I stand with Zopa Reviewed on: 25th January 2022

Excellent

Zopa is one of the best credit cards I ever had they are reliable and fast I don’t have to wait I would definitely recommend Zopa Reviewed on: 25th January 2022

Really good

Fantastic credit facilities always there to help when you need Reviewed on: 25th January 2022

Good

Nice and understandable , nothing to add any more Reviewed on: 25th January 2022

Awesome :- card to pick

Great customer service Great card service to use and affordable overdraft to use with no rush no pressure pay when ever. Great customer services with fast resolving matter. Reviewed on: 25th January 2022

Sensible decisions

Had credit issues in the past but now all dealt with. Zopa very understanding with decision and credit limit which has now been increased. Zopa app very easy to understand and navigate. Reviewed on: 25th January 2022

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Student Credit Card
from NatWest 4.19 from 6 reviews
Charge Card
from American Express 4.20 from 24 reviews
Credit Card
from Ocean Finance 3.94 from 21 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub