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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)

Easy to apply

It was an uncomplicated application details explained, all financial aspects covered cooling off period given card arrived very quickly Reviewed on: 10th January 2024

Your customer service team helped me a lot answered...

Your customer service team helped me a lot answered all my questions. Reviewed on: 10th January 2024

Very easy to apply, fantastic rates!

Very easy to apply, fantastic rates!! Good experience all round and the app is easy to use so you know exactly where you stand Reviewed on: 10th January 2024

Brilliant

Excellent service really helpful fantastic company happy to keep on using them Reviewed on: 10th January 2024

Very straightforward.

Very straightforward. Easy app to use. Reviewed on: 10th January 2024

A great credit card,with lots of freedom on spending...

A great credit card,with lots of freedom on spending choice. Very good interest rates and excellent and very helpful customer service, always willing to help and advise in any enquiry you may have. Highly recommend zopa to anyone looking for affordable credit. Reviewed on: 10th January 2024

Been very help full if I have needed help definitely...

Been very help full if I have needed help definitely recommend Zopa Reviewed on: 10th January 2024

Excellent new card provider.

Excellent new card provider. Easy to apply and good app. Reviewed on: 10th January 2024

Excellent service

Excellent service and excellent conditions that suits me perfectly and gave me the opportunity to repair my credit rating Reviewed on: 10th January 2024

Card came quickly

Card came very quickly in the post and the app is easy to navigate Reviewed on: 10th January 2024

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