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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great service and a realistic Apr rate

Great service and a realistic Apr rate Reviewed on: 5th March 2024

Satisfied customer

From initial set up they have been really helpful and assisted with any of my enquiries Reviewed on: 5th March 2024

Used customer chat very professional and tailored my...

Used customer chat very professional and tailored my needs to enquiry solutions Reviewed on: 5th March 2024

Simple to get going

I only opened my account some seven months ago. Formalities were straight forward and it was easy to open the account. I can access the account both online and via the App. Reviewed on: 5th March 2024

Best of the best

Kept up to date with my card and usage. Reviewed on: 5th March 2024

Very easy app and service, friendly staff when called

Very easy app and service, friendly staff when called Reviewed on: 5th March 2024

Fast response times and responsible lender

Fast response time and responsible lender Reviewed on: 5th March 2024

Keep you informed all the time

Had excellent service and always kept in touch for my balance and direct debit Reviewed on: 5th March 2024

Really helpful customer service,app is easy to use

Really helpful customer service,app is easy to use Reviewed on: 5th March 2024

Nice and easy

I’ve had no problems using the card it’s very easy to set up. The only downside to it is I can’t change the pin so I need to go into my phone to generate pin each time when I asked for pin but in the way that’s good security Reviewed on: 5th March 2024

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