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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)

Unfavourable outcome

I have a Zopa credit and have since been waiting for an increased limit but never have one. You cant request on the app either. Interestingly they operate like a bank. Reviewed on: 7th April 2021

Great card

Easy to use and easy app access to keep On top of your finances Reviewed on: 7th April 2021

Zopa are new and learning

I think if zopa credit card run a few like customer surveys for what we want they would get the service to be the best. Now it’s just under performing but it’s still better then other providers Reviewed on: 7th April 2021

Great app

When I pay money towards my credit card it shows instantly on my balance. Not 2 working days like other credit card companies Reviewed on: 7th April 2021

Awesome

Great team working with the clients to provide best service Reviewed on: 7th April 2021

Good

Good customer service and support Reviewed on: 7th April 2021

Good card

Never came across Zopa until recently. Very good provider Reviewed on: 7th April 2021

Excellent

Great app to keep on top of your account. Reviewed on: 7th April 2021

Great

So easy to use great experience will recommend Reviewed on: 7th April 2021

Great provider

The app is well designed and easy credit coaching facilities Reviewed on: 7th April 2021

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