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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)

Great credit card

Easy to use app where you can keep track on your spending with the Zopa alerts Reviewed on: 18th March 2021

Super duper

Very easy and pleasant experience from start to finish. Reviewed on: 18th March 2021

Very happy

Simple, easy to manage and great service. Reviewed on: 18th March 2021

Excellent

Great company lovely staff to deal with and answers questions quickly Reviewed on: 18th March 2021

Amazing credit card.

The card is so user friendly. Easy to make payments and friendly customer service. Would recommend anyone to acquire one anytime. Reviewed on: 18th March 2021

Fast and quick

Checks and acceptance super quick Reviewed on: 18th March 2021

Useful spend limit

I applied mainly to improve my credit rating and Zopa immediately gave me a very good spend limit. The card and pin turned up quickly in a plain envelope. The card itself is an interesting design in that the card number is not stamped, as most cards are. All numbers and digits are printed which ensures that the card is much more readable in bad light, and the card should last longer as the numbers remain more legible for the life of the card. I personally am impressed by this and hope that other card issuers follow this lead. Reviewed on: 18th March 2021

Yet to be beaten!

Good friendly and straightforward service Reviewed on: 18th March 2021

Amazing, fair and easy to use

This company has mastered the card and the app. The app is easy to use and navigate around. It shows you exactly what you need to see. When making a payment by debit card you do not have to wait 3-10 working days, it’s added to the card and straight away. This card gives you a choice of payments with no fuss. I would strongly recommend to others. No messing, straight forward, good rates and a cute card. Reviewed on: 18th March 2021

Easy to use

Quick efficent not complicated no silly fees & it does wot it says Reviewed on: 18th March 2021

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