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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)

Best credit card provider

Experience has been great. I have not regretted anything Reviewed on: 16th April 2021

Great app and everything is straightforward

I have really liked using Zopa so far, they have a great app, everything is easy to use. Information is laid out well. I would genuinely recommend Zopa as a credit card provider, one of the best I've had Reviewed on: 16th April 2021

Great efficient bank

Great customer service, I would highly recommend this bank Reviewed on: 16th April 2021

Easy setup and navigate Zopa app is fluid

Attractive APR, quick set up and easy to use. Not had a problem so far and hopefully stays that way Reviewed on: 16th April 2021

A great first credit card

Quick and easy to understand on the app and payments are recieved and processed the same day so you are able to keep track of your spend Reviewed on: 16th April 2021

Simple, yet powerful

It all starts at the beginning. One of the simplest bank sign up procedures I have ever been through. It's slick, it's simple, but you know exactly what's going on. The card arrives (and that process is great too) then you have complete control in the app. One of my favourite things is the safety net. It's great having a bigger limit for those rare times you need it, but being able to spend it on the credit card doesn't always match your ability to be able to pay it back quickly. The safety net gives me that peace of mind that the ability to spend is there if I need it, but I'm less likely to get my self into financial difficulty. Very comforting when I've been there before. Reviewed on: 16th April 2021

Very Happy with Zopa

Helping me with my credit rating and build my report Reviewed on: 16th April 2021

Nice

Good easy best easy and compatible to people to use app Reviewed on: 16th April 2021

Wow

I signed up recently with Zopa and it’s so easy to use their app, great service and love the colour of the card! Even got my son to sign up as well and he loves it too Reviewed on: 16th April 2021

Great Trustworthy Company

A great company with excellent customer service, easy to use app and very safe and reliable. Reviewed on: 16th April 2021

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