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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)

helpful. Understanding. Caring.

Always been very helpful and understanding of personal circumstances. Very caring. Reviewed on: 11th January 2024

New customer service

Very fast and efficient service, they do what they promise. Reviewed on: 11th January 2024

Fantastic experience.

Fantastic experience. Nothing to complain about Reviewed on: 11th January 2024

It does what it says on the tin.

It does what it says on the tin. Zopa is a very useful and easy to use card with modest interest. It is easy to obtain and limit increases are available as and when meritted Reviewed on: 11th January 2024

Everything that I have experienced with Zopa has bee...

Everything that I have experienced with Zopa has been excellent. Front the initial application for my credit card to the iPhone app and how simple it is to pay my credit card bill. Reviewed on: 11th January 2024

Very helpful and some they give me loan offer as wel...

Very helpful and some they give me loan offer as well which is appreciated Reviewed on: 11th January 2024

First class service

Flawless so easy to keep on top everything I need is so easy to access and follow Reviewed on: 11th January 2024

easy simple application

Easy to apply, credit limit and interest rate shown before confirmation of application. Informed of progress and fast delivery of your card. App is easy to use Reviewed on: 11th January 2024

Easy to apply and helpful when need help.

Easy to apply and helpful when need help. The app is good and helps keep track of your card use . Reviewed on: 11th January 2024

Build your credit score the right way. The zopa way

Easy to use in the app and fair outcomes . Really simple and easy to use and always someone on hand at ur fingertips, customer service wise if you're not 100% sure on anything. Reviewed on: 11th January 2024

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