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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)

Zopa Credit Card

I have always found the customer services team very friendly Reviewed on: 11th January 2024

Excellent service, friendly and helpful.

Excellent service, friendly and helpful. Straight forward to apply Reviewed on: 11th January 2024

From a quick check, to starting the application to f...

From a quick check, to starting the application to finalising and getting accepted, this is by far the best company to use! Couldn’t be any happier. Reviewed on: 11th January 2024

Quick and easy to understand transaction.

Quick and easy to understand transaction. Reviewed on: 11th January 2024

Recovery

I am someone who is recovering from stroke/brain surgery and a vp shunt fitted I’m 3 and a half years down the line very grateful to be here ,Zopa has been easy to set up for me Reviewed on: 11th January 2024

Zopa is very convenient and value for money.

Zopa is very convenient and value for money. Good communication to customers to remind you that your DD will be then in couple of days in other to make there is enough funds available . Reviewed on: 11th January 2024

Excellent customer service and know where I am at an...

Excellent customer service and know where I am at anytime with transactions Reviewed on: 11th January 2024

I needed a balance transfer card, on checking them o...

I needed a balance transfer card, on checking them out I found Zopa to be the best option for me and any questions I had were answered by the customer service team and so I went ahead and applied, I had my answer in seconds, I would definitely recommend this card Reviewed on: 11th January 2024

This is the best card experience I have had no fuss...

This is the best card experience I have had no fuss and easy to manage on liner. Reviewed on: 11th January 2024

Helps people to build their credit score and not jud...

Helps people to build their credit score and not judgemental Reviewed on: 11th January 2024

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