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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)

Best Credit Card Provider

Zopa is the best credit card provider that I have ever used. There are no hidden charges and their app is so simple to use.I would recommend anyone to get this card. Reviewed on: 7th April 2021

Very strong, be improved with higher initial credit limit

Very good, quick easy payment plan. Once paid credit instantly available again, no pending payments which is good. Be better with a higher initial limit. Instant notifications when spending happens helps keep track and avoids fraud Reviewed on: 7th April 2021

A great credit card service.

The service is great. I really like the fact you can set a safety net on your spending. A super credit card. Reviewed on: 7th April 2021

user friendly

Nowadays as everything is always increasingly becoming more technological usually means if it comes more complicated and difficult to use or takes awhile get to get used to whereas Zopa does everything you need to do as well as extremely user-friendly Reviewed on: 7th April 2021

Very satisfied

Satisfied from the beginning since opening account would recommend to Reviewed on: 7th April 2021

Excellent credit card

So easy to understand. Regular updates. Easy online access to view your account. Reviewed on: 7th April 2021

Great and very easy to do business with

Since being with Zopa I have found that their service is second to none and Very easy to use Reviewed on: 7th April 2021

Easy well rounded credit card

Easy to see and explained fees also worked from minute one and had no problems using it to purchase things unlike some others I have used in the past Reviewed on: 7th April 2021

Good service

I'm very happy to use zoopa, good service. Reviewed on: 7th April 2021

Amazing

I couldn't be happier with it to be honest! Reviewed on: 7th April 2021

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