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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)

Good customer service

I get updates about my spending every time I used my credit card. Reviewed on: 15th January 2025

Excellent service and very good company

Excellent service and very good company Reviewed on: 15th January 2025

Zopa's service is fantastic in terms of using and ap...

Zopa's service is fantastic in terms of using and application process as well. Reviewed on: 15th January 2025

The application was quick and easy as well as their...

The application was quick and easy as well as their app is user friendly Reviewed on: 15th January 2025

ZOPAlicious

Never had a problem with Zopa, always convenient & happy to help Reviewed on: 15th January 2025

the whole process was so easy and did not take long...

the whole process was so easy and did not take long to do Reviewed on: 15th January 2025

So easy and quick applying for a credit card and the...

So easy and quick applying for a credit card and the app is so easy to use.I can make a payment with ease and it is so quick to go appear on the same day so my available funds are to use the same day which is very handy for emergencies and I believe it is helping my credit score massively as I always pay my balance off in full with no interest. I love it Reviewed on: 15th January 2025

Easy to apply, quick delivery and activation simple.

Easy to apply, quick delivery and activation simple. Reviewed on: 15th January 2025

Good rates for my first credit card.

Good rates for my first credit card. Excellent customer service. Reviewed on: 15th January 2025

a good card, customer service leaves something to be...

a good card, customer service leaves something to be desired Reviewed on: 15th January 2025

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