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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)

Zopa are amazing

Zopa made my application easy and stress free, they have helped me build my credit and credit rating up with the view to buy my house Reviewed on: 16th April 2021

Brilliant

Very good would definitely recommend to all my family and friends very helpful Reviewed on: 16th April 2021

Average

Chip and pin is very temperamental, doesn’t work in all machines but never had a problem with the ATM. Just annoying knowing you can’t always use it... Reviewed on: 16th April 2021

Fantastic

The App is so easy to use and updates straight away. Really friendly and good customer service Reviewed on: 16th April 2021

Great card

Does exactly as it is great card no issues what so ever Reviewed on: 16th April 2021

User friendly

Best credit card and app I have had by far. So easy to understand and able to set limits within the app it self to prevent going over credit limit. Easy to track spending and topping up payments with clear communication and notifications from zopa. Reviewed on: 16th April 2021

Fantastic Customer Service

Clear, upfront and honest! Great all-round banking experience, would highly recommend. Reviewed on: 16th April 2021

Easy to use

Easy to use and no hidden charges Reviewed on: 16th April 2021

Excellent

Because your service is really good Reviewed on: 16th April 2021

Easy app!

Great app! So simple and makes it easy to keep in budget Reviewed on: 16th April 2021

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