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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

My my credit card credit card is very helpful to me

My credit card is very helpful to me Reviewed on: 15th January 2025

5* service

Absolutely fantastic service so easy to use. Reviewed on: 15th January 2025

Great credit card, the app is easy to use and great...

Great credit card, the app is easy to use and great customer service Reviewed on: 15th January 2025

The Zopa Ride

I have a very good experience with Zopa, no nasty surprises, just a smooth flow. The credit limit is reasonable and the alerts to remind me of when the direct debit is due are very handy. And I get a message with an every spend. Keeps me focused Reviewed on: 15th January 2025

Excellent efficient provider, with both credit card...

Excellent efficient provider, with both credit card and loan facilities, prompt response with any queries, keep me up to date with changes Reviewed on: 15th January 2025

Very good and easy to use the app

Very good and easy to use the app Reviewed on: 15th January 2025

Great for credit building

Not had any issues. Easy to use app. Simple and clear t&c’s. Manageable credit limit. Easy ways to repay. Reviewed on: 15th January 2025

Great people yo desk with have answered my quieries...

Great people yo desk with have answered my quieries many times succesfully Reviewed on: 15th January 2025

I can honestly say I have never had a problem I only...

I can honestly say I have never had a problem I only whish other credit card providers was the same Reviewed on: 15th January 2025

Very helpful

Easy to apply , easy to understand Term and Conditions Reviewed on: 15th January 2025

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