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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)

Helped me improve my credit score

I wanted to try and improve my credit score, Zopa helps me manage that! Great service guys! Reviewed on: 20th March 2021

Brilliant

So easy to use app is perfect now I just need to win the £1000 Reviewed on: 20th March 2021

Amazing

So easy to use. Really straight forward app Reviewed on: 20th March 2021

Wow, Zopa is THE best bank.

ZOPA This Bank is all about positive psychology, and the scenario here is exactly the same as when you walk into a car dealership and you purchase that special vehicle which is always slightly more expensive than you originally wanted to pay because you want it either fully loaded or the next model up. Now come on, be honest we have all done it. Well, when I saw the power tool combi drill every man would prey for I could not justify shelling out all that money in one go when I am only in receipt of disability and pension funds. But then I thought "Hey, what about my Zopa account, I can spread the cost of it over a little time and that way I don't feel a sting or anything for that matter!" So, that is just what I did and two days later I was like the proverbial kid in a candy store when my new drill arrived. Without Zopa I would still be using my old drill which is approximately 40 years + old and really gone past its sell and use by dates. Well done Zopa, many thanks indeed for helping an old timer continue his passionate hobby for woodworking and not forgetting that huge smile on this old face. As for Zopa, 10/10 what a superb company; now that's what you call a bank which also has in my opinion the best user friendly mobile banking app I have ever seen. Happy days! :-) Reviewed on: 20th March 2021

Nicholas

Yeah vccxfdsdfgfdvfdddfghfffdfgg Reviewed on: 20th March 2021

Very professional and helpful

They are polite and helpful and care about that your experience with Zopa is a good one Reviewed on: 20th March 2021

best lender

it was not as complicated as most banks do to have a card, it is as easy as saying good morning Reviewed on: 19th March 2021

Happy

Not perfect but trying to get there Reviewed on: 19th March 2021

Fabulous card

Great service and great card. App is so easy to use and plain English and is a dawdle to use. Reviewed on: 19th March 2021

Fab

Easy application form, quick response, keeps me updated on my spending and alerts when card is used. Reviewed on: 19th March 2021

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