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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)

Love how easy it is and how easy it's to pay your bi...

Love how easy it is and how easy it's to pay your bill off Reviewed on: 10th January 2024

Very helpful and well explained.

Very helpful and well explained. Quick result but thorough Reviewed on: 10th January 2024

Zopa is an excellent company

Zopa is an excellent company quick decision app excellent to understand would recommend zopa Reviewed on: 10th January 2024

Mihail Pagher

Reliable.Very good for me.Very helpful for daily use. Reviewed on: 10th January 2024

been best credit card i have had

They are very efficient when you pay in money it's off your account that day not like some taking up to 72 hours and have excellent customer service nothing is to much trouble and feel they are interested in their customers Reviewed on: 10th January 2024

Zopa provide a very easy user experience.

Zopa provide a very easy user experience. I know exactly what my balance is and how much remains on my card, because as soon as I use the card Zopa send me a notification. The Zopa app is very easy to use as well. I can always tell what my next payment is going to be. It seems a lot smoother and easier to use than other apps. Reviewed on: 10th January 2024

Easy information is at a finger tip payments easy ap...

Easy information is at a finger tip payments easy app very user frendly Reviewed on: 10th January 2024

Very easy to apply, quick response, efficient, excel...

Very easy to apply, quick response, efficient, excellent service and support, good interest rates, thank you Zopa Reviewed on: 10th January 2024

Keeps you in control

The app is easy to use and regular notifications help me stay on top of things. Reviewed on: 10th January 2024

A great company

I had some issues over the arrival of my Zopa credit card but the customer service department sorted out my problem quickly and efficiently. They were easy to talk to and very polite. Reviewed on: 10th January 2024

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