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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)

Very easy to apply.

Very easy to apply. Good value. would definitely recommend to friends. Reviewed on: 15th January 2025

The app makes it easy to keep on top of your finances.

The app makes it easy to keep on top of your finances. Reviewed on: 15th January 2025

Nothing but good things to say about this company re...

Nothing but good things to say about this company reliable easy and helpful Reviewed on: 15th January 2025

Great bank, excellent app and great notifications

Great bank, excellent app and great notifications Reviewed on: 15th January 2025

Excellent all round

From start to finish the service has been second to none. I lost my card early on and reported it and within 3 working days a replacement arrived. Paying the balance/minimum payment either by direct debit or direct pay is ideal for me as I get paid on different dates each month. I am so glad I found Zopa as a credit provider. I would definitely recommend to friends. I have just opened a current account with Zopa too and again 2-3 days and the debit card arrived. Excellent all round so thankyou Reviewed on: 15th January 2025

Easy to use app.

Easy to use app. Good use of colour in app. Clear information. Reviewed on: 15th January 2025

Good communication app easy to use

Good communication app easy to use Reviewed on: 15th January 2025

Very good service, always polite when I need to spea...

Very good service, always polite when I need to speak and helpful Reviewed on: 15th January 2025

I am an older lady and I find the app...

I am an older lady and I find the app very easy to use Reviewed on: 15th January 2025

Zopa is a excellent company and has a excellent cust...

Zopa is a excellent company and has a excellent customer service. It is a ex service. I think it is one of the best credit cards company out there. I like the company and I will be staying with Zopa. Reviewed on: 15th January 2025

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