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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)

Great service.

Great service. Very satisfied, the process through the app is very easy. Reviewed on: 16th January 2025

Sexy money

Very easy to use great bank became such a help to my life style Reviewed on: 16th January 2025

Good service and if you need to talk to...

Good service and if you need to talk to them Reviewed on: 16th January 2025

Great bank to be with really easy to navigate

Great bank to be with really easy to navigate Reviewed on: 16th January 2025

Always available staff to help when needed.

Always available staff to help when needed. App is easy to use and always available Reviewed on: 16th January 2025

I throughly enjoy the Zopa experience.

I throughly enjoy the Zopa experience. The credit cushion idea! It’s really really helpful to prevent you come over using your credit card. Payment is simple and easy to do and everything is streamlined. Would highly recommend Reviewed on: 16th January 2025

Zopa so Goodie.

Great credit card. Really easy to use and manage. The app always a great deal o flexibility too Reviewed on: 16th January 2025

I appliied for the credit card and the process was q...

I appliied for the credit card and the process was quite straightforwa. The only down side was that aI was given less than I anticipated. I guess they must have taken a lot into consideration. However they have been really helpful at a time when I was really in need! So thank you Zopa! Reviewed on: 16th January 2025

Actually cares

Always fair with usage, should I go over limit Always helps, and doesn't charge fees at every available opportunity Reviewed on: 16th January 2025

Great help very easy to understand excellent service

Great help very easy to understand excellent service Reviewed on: 16th January 2025

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