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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)

This card is all round perfect for what I need

have found this card brilliant for my needs and information on the app is first class Reviewed on: 16th January 2025

Great to have especially for emergencies to full bac...

Great to have especially for emergencies to full back on Reviewed on: 16th January 2025

serious financial institution with excellent custome...

serious financial institution with excellent customer support Reviewed on: 16th January 2025

Very simple and helpful with all areas of finance.

Very simple and helpful with all areas of finance. I was sceptical but have been using my card for nearly a year, with the app information and credit building help. Reviewed on: 16th January 2025

Very happy with credit card easy application and goo...

Very happy with credit card easy application and good app on phone easy to manage Reviewed on: 16th January 2025

The best

Zopa gave me my credit card when other suppliers could not Reviewed on: 16th January 2025

Zopa -simple & efficient

I am a new client of Zopa and find them to be easy to deal with and efficient. Whilst I m not keen on phone app banking the Zopa system gives me adequate facility to run the account via online banking Reviewed on: 16th January 2025

Easy to setup and easy to use app.

Easy to setup and easy to use app. I like that the balance updates when you make a payment straight away. Others can take a few days to update. Reviewed on: 16th January 2025

Easy to use credit card and easy to get hold of cust...

Easy to use credit card and easy to get hold of customer services Reviewed on: 16th January 2025

Very good service

Very good service except when using the online chat service. This was great in terms of getting to speak to someone quickly, however after a few minutes my chat kept dropping out meaning I had to restart the chat each time until I gave up and had to speak to someone on the phone. Reviewed on: 16th January 2025

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