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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)

I have had a credit card and a loan from Zopa and th...

I have had a credit card and a loan from Zopa and they have been excellent for me! Thank you Reviewed on: 8th January 2024

Good service and good recommendations for my friends

Good service and good recommendations for my friends Reviewed on: 8th January 2024

no issues

Seems ok so far no issues friendly customer service easy to use Reviewed on: 8th January 2024

Excellent

Really I like this Zopa credit card. And this card is good for every one Reviewed on: 8th January 2024

Helped me out when I needed it most!

Helped me out when I needed it most! Reviewed on: 8th January 2024

Great service

Always keep in touch and updated Reviewed on: 8th January 2024

Zopa have a fantastic range of products for my need...

Zopa have a fantastic range of products for my need the insights I get are far better than my other credit card providers Reviewed on: 8th January 2024

The best customer service ever.

The best customer service ever. Very professional and quick to respond. Reviewed on: 8th January 2024

Nothing but problems

Have only had my credit card for a few months but have had nothing but problems. Payments to Zopa from my bank have been returned by Zopa at first they said it was my bank, but confirmed with my bank that it was them that returned the payment. Have had my card blocked and after speaking to and being passed to several different people was told that it would take between 1 and 2 working days to unblock. Do yourself a favour and find a credit card company which you don't have to waste time chasing to find out why they have done this or that, and you don't have to wait days for them to unblock your card. This company is a joke. Reviewed on: 9th November 2023

They love to harm none of the citizens, a piece of crap card

I was approved for the card. after that they want an invoice to give a limit of £600. They're playing with my face. They love to blow people's names by searching hard Reviewed on: 21st October 2023

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