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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)

easy to use very fast and efficient

easy to use very fast and efficient Reviewed on: 16th January 2024

Good online app

Good online app to keep control and easy to make a payment Reviewed on: 16th January 2024

Seemless and friendly credit offering process

Seemless and friendly credit offering process Reviewed on: 16th January 2024

Zopa - You are the best!

I enjoy being informed of how much I have spent/not spent on my credit card. This helps me budget so much easier. Although I was offered an increase on my card, I chose not to accept it. mainly because of the reasons that were offered to me by Zopa. Everything is so easy to follow and understand. thanks for this too! Reviewed on: 15th January 2024

I haven't had any reason to contact customer service

I haven't had any reason to contact customer service Reviewed on: 15th January 2024

Easy to use, easy to contact, well happy

Easy to use, easy to contact, well happy Reviewed on: 15th January 2024

I love that the application process was so easy and...

I love that the application process was so easy and everything is so easy to view and use on the account. It really feels that Zopa actually thinks about what it’s customers need, it feels you are being looked after. Reviewed on: 15th January 2024

New credit card

Very easy to use and keeps me up-to-date with my spending Reviewed on: 15th January 2024

Zopa works for me.

Zopa have a great fast & reliable web site makes sorting bill paying easy. thankyou Reviewed on: 15th January 2024

customer service great

Great customer service , easy fast transactions Reviewed on: 15th January 2024

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