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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)

Very good credit card

Very good card good rates good monthly repayment Reviewed on: 10th January 2024

Good value and easy to keep track

Good value and easy to keep track Reviewed on: 10th January 2024

Just simply the best And the app is so simplified I...

Just simply the best And the app is so simplified I just love it Reviewed on: 10th January 2024

Very happy new customer

I’ve only had the credit card for just over a month but I’m very pleased. Application was quick and simple, the e app is great to use, I feel like I have good control over my money. The interest rates are low (considering I have a low credit score). Reviewed on: 10th January 2024

I asked for a loan but Zopa refused

I asked for a loan but Zopa refused Reviewed on: 10th January 2024

Great experience and easy to use

Great experience and easy to use Reviewed on: 10th January 2024

Very efficient and effective service as well as reli...

Very efficient and effective service as well as reliable Reviewed on: 10th January 2024

Zopa have been brilliant they have helped me and giv...

Zopa have been brilliant they have helped me and given me a chance to get back on the right track. There customer service is fantastic and nothing is to much bother for them. They treat you like a person and someone who matters rather than a number. Reviewed on: 10th January 2024

Excellent app quality service easy access and custom...

Excellent app quality service easy access and customer support Reviewed on: 10th January 2024

Excellence is Zopa's aim.

The Zopa customer service is excellent and the mobile phone app is also easy to use. Reviewed on: 10th January 2024

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