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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

Very helpful and clear instructions on what to do wi...

Very helpful and clear instructions on what to do within minutes I knew what I wanted to know Reviewed on: 5th March 2024

Excellent service.

Excellent service. Very polite and friendly staff. Reviewed on: 5th March 2024

new customer ...

As a new customer everything was explained to me down to the last detail.and it was all straight forward. Reviewed on: 5th March 2024

Can't fault service both chat and speaking to someone

Can't fault service both chat and speaking to someone Reviewed on: 5th March 2024

Zooplankton was delivered quickly and was easy to ac...

Zooplankton was delivered quickly and was easy to activate, the help and guidance in the app are very useful and easy to access. Reviewed on: 5th March 2024

Great service, reasonable limits according to income.

Great service, reasonable limits according to income. Can’t complain Reviewed on: 5th March 2024

Zopa flexibility on credit card applications

Zopa is flexible on fresh credit card applications, they are not as rigid as most banks, the application process is user friendly and flawless, I could not not believe how easy that was Reviewed on: 5th March 2024

Very easy and straight forward with fab communication!

Very easy and straight forward with fab communication!! Reviewed on: 5th March 2024

I just find Zopa easy to work with

I just find Zopa easy to work with Reviewed on: 5th March 2024

Very easy and straight forward application process.

Very easy and straight forward application process.mobile app makes it easy to manage my accounts Reviewed on: 5th March 2024

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