Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Good company

I had an easy experience to apply and to be accepted Reviewed on: 10th January 2024

Zopa are very friendly and helpful.

Zopa are very friendly and helpful. Also the app is easy to use and pay your bill. Reviewed on: 10th January 2024

Excellent customer service and they make my credit b...

Excellent customer service and they make my credit borrowing experience easy Reviewed on: 10th January 2024

My Zopa card is a great card and serves me well.

My Zopa card serves me well. I often tend to use it for grocery shopping. Most places accept it and those that dont I use it via a multi card payment system called Curve.. The app is really useful as well. I know when I needed to contact someone a while ago I did so via the app and the support provided was really good. So pleased I have it and would highly recommend it to anyone Reviewed on: 10th January 2024

Very easy and clear to use credit.

Very easy and clear to use credit. The app is very easy to use, I like the idea of insights and how it can highlight how much you are spending. Reviewed on: 10th January 2024

Very well managed and communication is always brilli...

Very well managed and communication is always brilliant and you know what you spend spend and what your repayments will be. Zopa is awalys fair and they also will only give you credit that you can afford. Reviewed on: 10th January 2024

Amazing company

Customer service is top notch very quick and helpful to support with any query. Never pushy with increases and you always have the option to decline or accept great great company Reviewed on: 10th January 2024

Kept updated on any changes to my credit card accoun...

Kept updated on any changes to my credit card account, easy payment options Reviewed on: 10th January 2024

Zopa are quick to adjust your account , mos credit c...

Zopa are quick to adjust your account , mos credit cards take too long to update your account . Reviewed on: 10th January 2024

Really sensible credit limits and great app.

Really sensible credit limits and great app. Good contact and advisors when you need them. Reviewed on: 10th January 2024

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from Allied Irish Bank - AIB 4.11 from 6 reviews
Classic Credit Card
from Bank of Ireland 4.09 from 6 reviews
Gold Credit Card
from American Express 4.51 from 25 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub