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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)

Excellent card

Simple to apply,once accepted,simple to set up the app....All round pleasant experience..... Reviewed on: 16th April 2021

Excellent and simple

Simple and excellent from application to approval stage..Repayment process is also friendly. Reviewed on: 16th April 2021

Easy, efficient and great all round service

Great company with a fast and efficient service no problems what so ever perfect for me with an easy to use app. I would highly recommend. Reviewed on: 16th April 2021

Fabulous

Great way to buy things and pay monthly . Or in full . Best thing ive foubd to date Reviewed on: 16th April 2021

Amazing service

Zopa are the best bank that I have ever dealt with Reviewed on: 16th April 2021

Great to get me started

I've got my credit score up by 32 just by getting my card and using it ,I like the fact that I get a text to approve my purchase ,I can look at my account anytime and plan my spending ,I'm getting solvent again ,I'm liking the feeling of being in control again . Reviewed on: 16th April 2021

Excellent

I had to deal with Zopa and it was a good experience Reviewed on: 16th April 2021

Amazing

All simple and easy that makes your finances go to next level Reviewed on: 16th April 2021

Good

Love this credit card the flexibility to use when needed and payments a month are not that high! Interest is reasonable too for those with bad credit Reviewed on: 16th April 2021

Fantastic company

Great company with great customer service easy to operate app and anything you need is on there Reviewed on: 16th April 2021

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