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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 friendly helpful staff nothing is a problem.

Great friendly helpful staff nothing is a problem. Reviewed on: 10th January 2024

Great customer service

Great customer service. Easy to access Reviewed on: 10th January 2024

Great provider , I strongly recommend to my friends...

Great provider , I strongly recommend to my friends and family Reviewed on: 10th January 2024

Relatively high APR but affordable.

Relatively high APR but affordable. No offers of increased credit limit. I could use a little higher. The app is quite useful for keeping track and helps spending controls and budgeting. The message below is a bit overbearing and I feel unnecessary Reviewed on: 10th January 2024

Great provider, always helpful, easy payments and gr...

Great provider, always helpful, easy payments and great customer services Reviewed on: 10th January 2024

ZOPA Credit

Won’t let you spend what you don’t have. Reviewed on: 10th January 2024

Great to deal with .

Great to deal with .Happy to use their credit card.good service Reviewed on: 10th January 2024

Everything was so simple from start to finish

Everything was so simple from start to finish Reviewed on: 10th January 2024

5 star Zopa

Ever since joining Zopa I have never had a problem with anything . The app is so easy to use absolutely brilliant Reviewed on: 10th January 2024

No Hassle

Fast no issues to deal with everything on the app, a dream Reviewed on: 10th January 2024

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