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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)

Great service and commitment to customer care

Great service and commitment to customer care Reviewed on: 10th January 2024

Excellent service and a great card to have!

Excellent service and a great card to have! Would recommend Zopa to family and friends anytime. Reviewed on: 10th January 2024

ZOPA never declined, and is a very good card to shop...

ZOPA never declined, and is a very good card to shop with in all establishments. Reviewed on: 10th January 2024

The app is very easy to navigate.

The app is very easy to navigate. Reviewed on: 10th January 2024

It was very easy to apply and was accepted within mi...

It was very easy to apply and was accepted within minutes.I have been with Zopa for a while and the interest is reasonable also they have an excellent customer service's department. Definitely recommend Zopa to everyone. Reviewed on: 10th January 2024

Applied for a credit card and they was excellent in...

Applied for a credit card and they was excellent in the application process. Hugely impressed with their professionalism Reviewed on: 10th January 2024

Excelent very good communication

Excelent very good communication Reviewed on: 10th January 2024

Excellent service always there when you need them

Excellent service always there when you need them Reviewed on: 10th January 2024

Had an issue with my card

Had an issue with my. Card and Zopa was really good and helped me. Reviewed on: 10th January 2024

And the award goes to.........

After getting into financial difficulty and paying the price over many years due to immature spending, I am finally free to rebuild. Zopa trusted me with my first credit card in years with a realistic limit and a helpful informative app. Give them the award! Reviewed on: 10th January 2024

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