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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 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 (44348)

Always smooth transactions when dealing with my Zopa...

Always smooth transactions when dealing with my Zopa credit card Reviewed on: 28th February 2025

The app is so good and easy to install.

The app is so good and easy to install. Custom service are really good and helpful. Reviewed on: 28th February 2025

Best on notifications

Instant update on transactions stands zopa out. Reviewed on: 28th February 2025

Smooth process and easy transactions

Smooth process and easy transactions Reviewed on: 28th February 2025

Fantastic card to use.

Fantastic card to use. Friendly, professional service at all time. Reviewed on: 28th February 2025

A great service provider and excellent quality throu...

A great service provider and excellent quality throughout the usage and service levels are excellent Reviewed on: 28th February 2025

Seamless from start to finish, from onboarding to be...

Seamless from start to finish, from onboarding to being a card user. I would say that Zopa are 2nd to none in the industry Reviewed on: 28th February 2025

Esy and affordable hilly recommend

Esy and affordable hilly recommend Reviewed on: 28th February 2025

Zopa delivers the service in real time.

Zopa delivers the service in real time. For example, whenever I maintain my payments to keep my account within my limit, I don't have to wait more than a couple of hours before I see the new balance on my app. A very good feature that helps me over spending beyond my credit limit. Reviewed on: 28th February 2025

Excellent service

Easy to use and kept informed on when payments due and bank accounts you may want Reviewed on: 28th February 2025

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