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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Great credit card, great customer service!

Great credit card, great customer service! Always there when I need them! Wouldn’t hesitate to recommend this company! Reviewed on: 10th January 2024

Very good rate

The credit card was timely and the rate affordable Reviewed on: 10th January 2024

Fantastic and very happy

Fantastic and very happy with all aspects of my dealings with this company Reviewed on: 10th January 2024

Superlative!

Superlative on every count, Zopa has left no stone unturned in their pursuit of customer service! Reviewed on: 10th January 2024

When I was financially down

When I was financially down, no body was willing to help me but Zopa did and I've been with them for over two years now. Staff are very friendly, easy to talk to, and most of all they understand when someone is in financial distress and that it is not always intentional. Reviewed on: 10th January 2024

Good credit card provider

Very good in fairness and flexibility, helpful always good communication Reviewed on: 10th January 2024

Great Responsible lender

Excellent App allows simple control over transactions and spending. Reviewed on: 10th January 2024

Doescwhatbitvsays % could be lower

Doescwhatbitvsays % could be lower Reviewed on: 10th January 2024

Great company who gives the opportunity to grow your...

Great company who gives the opportunity to grow your credit. Reviewed on: 10th January 2024

Credit where credit is due

I love the credit they have allowed me, but as I have been an excellent customer for several years now, would like to see better interest rates for long standing good customers. Reviewed on: 10th January 2024

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