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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 company clear pricing

Clear pricing and accepted me with poor credit history Reviewed on: 7th April 2021

Flexible card easy to use app and instant updates on transactions

Very straight forward, easy to use and monitor repayments could not be easier your always in control. Reviewed on: 7th April 2021

Great app to use

Good option to overpay on loan whilst reducing interest Reviewed on: 7th April 2021

Excellent

Excellent Give you a chance to build your credit rating up Reviewed on: 7th April 2021

Absolutely perfect for what I need

Every time I needed to pay for something it was so easy Reviewed on: 7th April 2021

Glad to have zopa

Really useful and great interest rates .glad to have zopa . Best credit card. Reviewed on: 7th April 2021

Forward thinking bank

The app works really well and is easy to use Reviewed on: 7th April 2021

Not used card as yet..no pin number

Awaiting for pin still................. Reviewed on: 7th April 2021

Good credit limit offered excellent card

Good credit limit offered excellent card Reviewed on: 7th April 2021

Credit made eaZy

I'm so pleased with the service Zopa provides through their extremely sleek & user-friendly app. Payment reminder alerts and built-in credit score tracking are my 2 favourite features. It's so handy to have all your credit factors at your disposal built right into your banking app, and has been tremendously helpful getting me back on track financially. Can't recommend highly enough! Reviewed on: 7th April 2021

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