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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)

Excellent customer service,helpfull

Excellent customer service,helpfull Reviewed on: 12th January 2024

Very easy App to operate, excellent service when con...

Very easy App to operate, excellent service when contacting customer services. Always professional, effective and efficient Reviewed on: 12th January 2024

Very good card use it when I need it especially thos...

Very good card use it when I need it especially those unexpected bills Reviewed on: 12th January 2024

Easy to use easy to apply good for people who have p...

Easy to use easy to apply good for people who have poor credit Reviewed on: 12th January 2024

Excellent service...

From first application for a credit card and the after service is excellent, also when you're credit card is used you are notified so you know immediately if a transaction is made without you doing it, then you can act immediately to stop any fraudulent activity Reviewed on: 12th January 2024

Easy to manage credit card plus easy to use

Easy to manage credit card plus easy to use Reviewed on: 12th January 2024

Cannot believe I didn’t know about zopa sooner.

Cannot believe I didn’t know about zopa sooner. Such a responsible lender and always keen to make the experience easier for the customer. Top spec app and everything is right there and completely accessible. Reviewed on: 12th January 2024

They a great bunch, with many products to accommodat...

They a great bunch, with many products to accommodate every need of the consumer Reviewed on: 12th January 2024

Brilliant

Been brilliant and nice having a card in emergency Reviewed on: 12th January 2024

Convenient, reliable and good value for money

I've used the card nationally and internationally and never experienced any issues. Reviewed on: 12th January 2024

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