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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)

Fantastic

Excellent, professional and easy of use, simply outstanding Reviewed on: 25th January 2022

Absolutely brilliant

Never had any problems at all always there to help Reviewed on: 25th January 2022

Simple. Clear. Easy

Simple application process, easy to manage and good customer service. Really happy with this card and company Reviewed on: 25th January 2022

Satisfaction guarantee

Good honest friendly staff who are happy to help and don’t judge you on your past Reviewed on: 25th January 2022

Great card and transparent charges

Starting using Zopa 12 months ago, easy to use app and modern credit card with transparent charges. Reviewed on: 25th January 2022

Just great!

Great services, great app experience and I feel really secure it can't be hacked if my phone gets stolen. Reviewed on: 25th January 2022

Good service

Just a nice company to deal with Reviewed on: 25th January 2022

Best credit card to have

The instant transactions after payments makes it’s super easy to keep track of how much credit is available Reviewed on: 25th January 2022

Fair and easy

Zopa provide a fair and transparent service. Reviewed on: 25th January 2022

Brilliant account to have best thing I done.

So got it to improve my credit file. Saw improvement after couple months. App show payments taken out what great. It clear and upfront about payments to be made. Highly recommend them ! Looking forward to hopefully taking my loan with them too Reviewed on: 25th January 2022

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