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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)

Zopa is so good

Zopa is so easy to use there app is great too and helpful Reviewed on: 7th April 2021

Excellent service

Easy to use with real time updates Reviewed on: 7th April 2021

Great

Found them easy to talk too and easy to do things online Reviewed on: 7th April 2021

Fantastic Lender

I have a few credit cards and I always say to my partner Zopa is my favourite and he laughs at me, but it really is. Although I have a lower credit limit with this card I use it often due to the ease of transactions, payments and low interest rates. I also find the app interesting and easy to use and monitor, love how my spending is categorised too (even though this can sometimes serve as a wake up call!) The card itself is bright so not easy to loose. Overall I rate Zopa really highly and look forward to continuing to use them. Reviewed on: 7th April 2021

Moderate Users

Excellent and easy to use fast on payments very user friendly, however have to wait very long for increased credit limit and very strict Reviewed on: 7th April 2021

Excellent

Great customer service. Easy to use. App great too Reviewed on: 7th April 2021

Credit card

It’s a great App for the credit card. Reviewed on: 7th April 2021

Brilliant Credit card

Zopa credit card is good for everyday spending and takes few minutes to complete online request if eligible card is recieved quickly without delay Reviewed on: 7th April 2021

BRILLIANT!!!!

Very good credit card and customer service. They never increase your credit limit just on there say so. They look at your affordable and personal circumstances. Making payments can not be simpler with your balance up dating straight away. Reviewed on: 7th April 2021

Excellent customer service

Easy to use, excellent service. The app is an easy set up and makes it easy to make the payments with the click of a finger Reviewed on: 7th April 2021

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