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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)

Simple, clear and smart

The app is so clear and simple to use. There are some great added extras - monitoring credit score, monthly limit updates and energy offers. Most of all the tone and language used in communications is friendly, non-judgmental and constructive. Reviewed on: 7th April 2021

Great company

Easy to set up and use.Good communication Reviewed on: 7th April 2021

Great credit card

Easy to use app and easy application, notification every time its used, highly recommend Reviewed on: 7th April 2021

Top Card

This card is an excellent choice for anyone, not just people with poor credit rating. You are kept up to date with all transactions and the app provides all the information you could require Reviewed on: 7th April 2021

Safe

Good safe account & easy to use Reviewed on: 7th April 2021

New kid on the block!!!

Zopa have lots if different offers to suit different budgets!! They also have Reviewed on: 7th April 2021

ITZOPATIME

Easy to use, helps you save, helps you understand your credit and helps you better your credit score. ZOPA gave me the chance to better my life. So for me every time is ZOPA time. Reviewed on: 7th April 2021

Quick, professional, simple

Fantastic service. Quick and simple to apply. Can access statements and account at anytime. Never had any issues with Zopa Reviewed on: 7th April 2021

Easy to use and app is good

Easy working app no problems at all Reviewed on: 7th April 2021

Wow what a card

Wow what a great card. Havent used it yet but my word.i can imagine the possibilities Reviewed on: 7th April 2021

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