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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)

SIMPLE TO USE APP

EASY TO APPLY EASY TO USE APP KEEPING YOU UP TO DATE Reviewed on: 16th April 2021

Fantastic bank

Fast set up and easy to make payments via the app. Interest rate was also what was agreed upon sign up. Great credit card. Reviewed on: 16th April 2021

Great service

Great service & speed in dealing with my application for a new credit card. :-) Reviewed on: 16th April 2021

Brilliant credit card

This card is easy to apply for and very easy to keep track of your spending, the app is brilliant and easy to navigate all in all a very good choice Reviewed on: 16th April 2021

Fantastic company

Since joining zopa I’ve had such a fantastic experience (credit card) that I’ve never had with any other credit card company. They are the best company to have a card with. Always on hand on the live chat and answer extremely quickly and nothing is ever too much! Would definitely recommend Reviewed on: 16th April 2021

Surprised by Zopa

I've used numerous credit cards over the years but Zopa has proven to be the best by a mile. Customer service and Banking app etc all first class Reviewed on: 16th April 2021

Great app and customer service

I’ve been using Zopa for sometime now and I love the ease of the app and customer services. Quick times to respond and very helpful. Reviewed on: 16th April 2021

Easy and straightforward

Zopa is great. I love the app. It’s easy and simple to use and the notifications are really helpful. Reviewed on: 16th April 2021

I would definitely recommend zopa

They are an excellent outfit very professional and helpful all round. Reviewed on: 16th April 2021

Does what it says on the tin

The advertised deal is exactly what you get. Nothing hidden, just credit the way it should be. Reviewed on: 16th April 2021

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