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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 app, easy to use.

Great app, easy to use. Had a double payment taken by a retailer once and it was sorted quickly and simply Reviewed on: 10th January 2024

Excellent service.

Excellent service. Very professional and knowledgeable customer service staff. Reviewed on: 10th January 2024

Zopatastic

Great and easy application, great customer service, card was delivered promptly and very easy to use app. Would recommend to all. The best credit card provider that I have had by far. Thank goodness for Zopa!! Reviewed on: 10th January 2024

Very easy to deal with and very professional

Very easy to deal with and very professional Reviewed on: 10th January 2024

Service is as good as the card looks

Easy application process. Smooth Delivery. Hitchless services. Reviewed on: 10th January 2024

Great starter credit card,

Great starter credit card, I had bad credit but have massively improved it now with the help of Zopa Reviewed on: 10th January 2024

Good card but can’t pay by any other credit card by...

Good card but can’t pay by any other credit card by another company can’t transfer a balance to another company but overall it’s an ok card with no perks Reviewed on: 10th January 2024

Absolutely cannot fault zopa credit at all,it's easy...

Absolutely cannot fault zopa credit at all,it's easy and good affordability, with an easy guide to make payments Reviewed on: 10th January 2024

Easy to use app - quick payment option.

Easy to use app - quick payment option. Reviewed on: 10th January 2024

Never had an issue they could not resolve

Never had an issue they could not resolve Reviewed on: 10th January 2024

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