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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Big help

Gave me more financial freedom with an app that let's me know where I am. Reviewed on: 9th April 2024

Clear funds immediately and good customer service

Clear funds immediately and good customer service Reviewed on: 9th April 2024

I have never had an issue with my credit card.

I have never had an issue with my credit card. When I have needed to contact them, they have been quick to solve my issue. Their prompt response and problem solving was great and gave me a lot of reassurance that I had picked the right card. Reviewed on: 9th April 2024

The customer service is really good.

The customer service is really good. They deliver as promised. No hidden costs. It would be good if they allowed for at least one bank transfer allowance Reviewed on: 9th April 2024

Every step of the way they have been fantastic

Every step of the way they have been fantastic Reviewed on: 9th April 2024

Great 0% offer and limit, easy to use app.

Great 0% offer and limit, easy to use app. Reviewed on: 9th April 2024

Always found them polite and very helpful, always so...

Always found them polite and very helpful, always sorted any problems quickly and efficiently, there rates are reasonably and there app easy to understand and use Reviewed on: 9th April 2024

Excellent customer service and value for money

Zop's customer service is excellent. The app is user-friendly. Reviewed on: 9th April 2024

No issues

Never had any issues. Like the app very helpful Reviewed on: 9th April 2024

Easy to use app good payment reminders and instant m...

Easy to use app good payment reminders and instant message on spending Reviewed on: 9th April 2024

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