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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Excellent service and good repayment schedule

Excellent service and good repayment schedule Reviewed on: 6th March 2026

The friendliest staff I have ever had the pleasure t...

The friendliest staff I have ever had the pleasure to deal with very knowledgeable very understanding and most importantly they make you feel like you are a real person not just a number on a spreadsheet Reviewed on: 6th March 2026

Although I am new to Zopa, what dealings I have had...

Although I am new to Zopa, what dealings I have had have been dealt with efficiently and with friendly manner. Reviewed on: 6th March 2026

No fuss easy to use, very helpful

No fuss easy to use, very helpful Reviewed on: 6th March 2026

Zopa offers good interest rates and is fast and effi...

Zopa offers good interest rates and is fast and efficient . It's services are excellent so far so good. No delays or disappointment. Reviewed on: 6th March 2026

Easy to use and always like updates

Easy to use and always like updates Reviewed on: 6th March 2026

Beyond impressed with Zopa

The Zopa credit card really compliments my Zopa bank and savings/ISA accounts. It’s very easy to transfer money between them, all from the same app, which as bank apps go, is one of the best if not actually the best! It’s very well thought out and do far has worked faultlessly. With the credit card, I love the fact that purchases and remaining balance show instantly in the Zopa app, as well as payments, which are instantly credited to your account, saving interest. My other credit cards show ‘pending’ for days, so I never quite know what my balance is. If Zopa can do this instantly, it shames the big names that can’t! Finally, I’m pleased to report that the Zopa credit card can now be added to Apple wallet. This was the only negative to having one, but that no longer applies. Overall, Zopa is breath of fresh air in the banking world. All their products are excellent and market leading and I can only recommend them 100% Reviewed on: 6th March 2026

Excellent service all round.

Excellent service all round. Thank you Reviewed on: 6th March 2026

My issues were dealt with very efficiently and profe...

My issues were dealt with very efficiently and professionally Reviewed on: 6th March 2026

I could call them a bobby dazzler

Exuberant service and easy to use. Reviewed on: 6th March 2026

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