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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)

Excellent customer service reps

Representatives are very pleasant and knowledgable. Reps were able to resolve my issue Reviewed on: 8th January 2024

Excellent customer service, good rates and easy to u...

Excellent customer service, good rates and easy to understand what was required from myself. Reviewed on: 8th January 2024

Bad credit provider

Gave me credit when no others would. Reviewed on: 8th January 2024

I have a poor credit score but Zopa gave me a chance...

I have a poor credit score but Zopa gave me a chances to rebuild my credit. Reviewed on: 8th January 2024

Credit card autonomy

I especially like the feature of managing both the credit limit within that allowed by the company ensuring I never go over my limit and can have a comfort zone in the event of an emergency. As well as having complete control over the contactless limit making it harder to spend on if it is stolen. Reviewed on: 8th January 2024

Excellent

Using my Zopa credit card is safer to carry than cash and offer strong fraud protection than other cards. Reviewed on: 8th January 2024

Amazing company very fast decision

Amazing company very fast decision Reviewed on: 8th January 2024

Brilliant app and efficient and fast customer service.

Brilliant app and efficient and fast customer service. Reviewed on: 8th January 2024

Easy to use app

I have received great advice and support from the app , easy to use . Reviewed on: 8th January 2024

Zopa credit card

Zopa is a great credit card company plus I have started saving with them the past month or two and am finding it brilliant. Reviewed on: 8th January 2024

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