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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Cracking card

Zopa card was simple an easy to apply for can’t knock it Reviewed on: 15th February 2021

Amazing customer service

Always clear how much you use and I like the fact as soon as you make a payment it comes off the balance, not like a lot of them that takes 2 days. Reviewed on: 15th February 2021

Quick and easy approval but comes at high cost

I had applied and received a few short term personal loans which I couldn’t get easily from any other traditional bank. The only biggest drawback is that the cost is too high and that they need to be repaid ASAP if you want to pay as little as possible. Reviewed on: 15th February 2021

App is so easy to use

The Zopa app is easy to use and you can find everything you need in one app Reviewed on: 15th February 2021

Best credit card to build your score rating and easy to pay

Best card for score ratings and its easy to pay it show on your credit card with in 15 minutes Reviewed on: 15th February 2021

Amazing company

Fast and efficient service. Easy payments and just amazing Reviewed on: 15th February 2021

Easy to set up easy to deal with

I have a Zopa card husband just cleared a Zopa loan. No fuss everything was simple Reviewed on: 15th February 2021

Great to work with

Easy to set up and manage using the app Reviewed on: 15th February 2021

Simple to use and simple to follow on their so, lovely and very helpful professional customer service

Always helpful and accommodating especially now through the pandemic, can’t recommend them enough to friends and family Reviewed on: 15th February 2021

Very Happy Customer

Great credit card and easy to use app. Reviewed on: 15th February 2021

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