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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)

So simple and easy to use

The Zopa credit card is quick and easy to set up and the app is clear and easy to use. 100% recommend. Reviewed on: 16th April 2021

Very informative

I've had a few credit cards over the year, but the Zopa credit is the very clear and up to date, when ever you use the card, you get a text message telling how much was spent and your balance. This sort of information helps you stay on top of your accounts and let's you know if your card is being misused. We'll done Zopa, if only other credit cards could do the same. Reviewed on: 16th April 2021

Very simple and clear terms

I am very happy to get this card they’re helping to climb me up Reviewed on: 16th April 2021

Quick review

Having a few problems with logging in at moment.i always use fingerprint but was asked to put password in cant remember but still waiting for code to open it .apart from that they seem to be bery good and well worth a try if your looking for a new credit card. Reviewed on: 16th April 2021

Brilliant and Innovative

The minute I started using the Zopa banking app, I felt all my skeptism fading away. It is innovative and brings features that are user friendly. No fuss banking. Reviewed on: 16th April 2021

In the ball

I love the way I am alerted each time I spend Reviewed on: 15th April 2021

Best credit card.

Zopa credit card easy to apply for. it is good credit builder. Reviewed on: 15th April 2021

Great

it has been a good experience, using the app is so effortless and easy navigate. Reviewed on: 15th April 2021

User friendly

It was really useful and easy to apply. The most friendly app design they have. Reviewed on: 15th April 2021

Credit without the headache

Zopa gives a realistic credit limit so you are never out of your depth. Reviewed on: 15th April 2021

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