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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)

Simple, easy, and affordable!

I'm voting for Zopa because I feel their app is simple and easy to use, and very affordable. I love the simplistic design of the card and would advise anybody looking for a credit card to give Zopa a go. Reviewed on: 17th March 2021

Useful and dependable Credit Card.

No fuss, No gimmicks, No hard sales-talk. Professional manner used by all your staff. Any questions were explained with enthusiasm and confidence, giving honest, planned solutions. A full call-back service was promised and honoured. Refreshing to get great service. Well done to all. Reviewed on: 17th March 2021

Modern banking done right.

Easy application process. Modern feature rich app with instant notifications and fast clearing time after payments. Wish my other provider would catch up Reviewed on: 17th March 2021

Fun and wasy

Nice app, makes using the card and making payments super easy Reviewed on: 17th March 2021

Perfect card for anyone

Is easy to use, payments go in and come out almost instantly, the safety net is a great ,allowing you to keep spare money for emergencies plus you don't over spend with it .Its a great card to help with credit rating and the customer care is top notch , thumbs up all round !!!! Reviewed on: 17th March 2021

Quick smart bank

Quick application..quick decision and kept up-to-date especially like when they confirm purchases Reviewed on: 17th March 2021

Low limit but great communication

Very low credit limit but on a great note pay on time it's in your account and communication is fantastic Reviewed on: 17th March 2021

Excellent

Helped in time of need excellent service Reviewed on: 17th March 2021

Easy to setup, fantastic app

Very easy to open my account, and the app is much better than any other cards I’ve used Reviewed on: 17th March 2021

The art of user friendly

From application to acceptance my Zopa experience has been nothing short of superb. They are easy to deal with, have affordable limits and the app saves a lot of time. I would recommend a Zopa card to everyone. Reviewed on: 17th March 2021

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