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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 credit card great credit card

great credit card great credit card Reviewed on: 15th January 2025

Excellent service/fast and easy to use app

Excellent service/fast and easy to use app Reviewed on: 15th January 2025

I have not had a Company who actallly welcome you on...

I have not had a Company who actallly welcome you on board and send you so much information and recommendations as to how to use the card. I got it for emergencies, but their apr is better than others, will wind the others down and use thi one instead. Reviewed on: 15th January 2025

Customer service 5 Star

Professional , helpful and customer friendly Reviewed on: 15th January 2025

It’s a great account to have easy to use

It’s a great account to have easy to use Reviewed on: 15th January 2025

Very understanding and customer orientated.

Very understanding and customer orientated. Reviewed on: 15th January 2025

Great service

Zopa is great company to use credit card with, Their services are really good. Reviewed on: 15th January 2025

Good rate and service.

Good rate compared to others easy to keep check of my account and spending. Reviewed on: 15th January 2025

Quick and easy to apply for and app is easy...

Quick and easy to apply for and app is easy to use Reviewed on: 15th January 2025

Good card but credit never goes up even after 3 year...

Good card but credit never goes up even after 3 years even though paying on time and never late Reviewed on: 15th January 2025

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