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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)

great credit card

easy to understand app does what it says Reviewed on: 8th April 2021

perfectly simple

simple instructions to apply for, fast , efficient, app is great gives you all the information you need quickly. Reviewed on: 8th April 2021

Excellent service

Excellent on line security The app is customer friendly I would highly recommend Reviewed on: 8th April 2021

So far so good

Card has been good so far as the new kids on the block I can say I do like this card love the fact the money goes on the card immediately am sure there be more features from you guys bank transfer would be the next best thing straight from the app Reviewed on: 8th April 2021

There when I needed them

First class service and they were there when I needed them. Reviewed on: 8th April 2021

No nonsense credit card. No fuss just a big plus!

Easy to access card details! Friendly wording and simple to keep track of spending! Reviewed on: 8th April 2021

Easy to apply & great supporting app.

Very easy to apply for & their app is brilliant too. Reviewed on: 8th April 2021

Happy

The help was there when needed with friendly staff Reviewed on: 8th April 2021

Superb

Great rates, payments are instant, app is easy to use. No expensive charges Reviewed on: 8th April 2021

Very Grateful

I was accepted for a credit card when I most needed one to repair and improve my credit rating. I believe everyone deserve a second chance and Zopa has given me that opportunity. Reviewed on: 7th April 2021

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