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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)

Brilliant credit card

Great app and great credit card very handy and great to have Reviewed on: 7th April 2021

Easy to use

Easy to use and understand the app is so easy to use to Reviewed on: 7th April 2021

Hyperfast and futureproof!

Well from application (which was so simple) to setting up the app Zopa is just fantastic! I can keep control of my spending, payments and I get little notifications about my new credit amount! It’s just fantastic! Everyday use and so convenient. Thanks Zopa! Reviewed on: 7th April 2021

Fantastic Service

I spoke with genuine, friendly professional staff who were empathetic and helpful Reviewed on: 7th April 2021

Great and easy service

Never had a issue so easy and user friendly Reviewed on: 7th April 2021

Future in Banking

This is probably the easiest and most professional way of banking . No issues with initial applications , keep you well updated and offers are constantly updated meeting the needs of everyone . Definitely number one bank for me above all high street banks services previously used. Reviewed on: 7th April 2021

Highly recommend Zopa

Very trusted Zopa very quick set up. Great customer service Reviewed on: 7th April 2021

Fabulous financing

Zopa have been great. The app is simple and easy to use, helping me keep on top of my borrowing. Plus with reminders of when a payments due it's one less thing to remember. Reviewed on: 7th April 2021

Livin La Vida Zopa

Great company plus very quick and easy to set up account and get going. Has been my go to card for spreading purchase repayments for the last several months and can only feedback a positive experience. Reliable and fast payment times both out and back in onto card plus it has a really simple and intuitive app. 5* and will continue to be my go to card . Thanks Zopa. Reviewed on: 7th April 2021

The best customer experience

Everything about Zopa is clear, easy and a fantastic customer journey. I have had many different credit cards over the years but Zopa is by far the best to deal with. Reviewed on: 7th April 2021

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