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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Fantastic

Apselutly brilliant no fuss noproblem the money was in my account with in hours that's what I call service thank you Reviewed on: 7th April 2021

My first credit card since rebuilding my credit rating

Zopa were the only company to offer me a card as I begin to rebuild my credit rating. They were very fair and it was easy to set up. The initial credit limit is manageable and the app is so simple. Reviewed on: 7th April 2021

Reliable

My zopa account is reliable and always gives me fast updates. I can keep on top of my finances. Reviewed on: 7th April 2021

Best card on market

Easy to apply and very quick response Reviewed on: 7th April 2021

Quick, Easy and Reliable

My experience with Zopa has been nothing but positive. The app is 11/10. Everything I need in the palm of my hand, literally! If I need to speak to an agent I can use the online chat function within the app. Well done to the team! Reviewed on: 7th April 2021

Easy app usage

Really easy app to manage your card. Very quick and easy application Reviewed on: 7th April 2021

Rapid response bank

The credit card is wonderful...low interest and immediate clearance of payments no waiting 2 days!!! Also customer service is reliable. Reviewed on: 7th April 2021

Great Card

Excellent interaction and excellent control - i have been very happy with this. Reviewed on: 7th April 2021

Easy and reliable

This is a great card to use for emergencies and is so easy to keep an eye on. It even tells you when it is used and helps me manage my finances. Thank you Reviewed on: 7th April 2021

Absolutely great

No fuss, great service, great company. Reviewed on: 7th April 2021

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