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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Great credit card. Not problems at all

Been with zopa for about six months. Not had a problem at all. Great company alway keep me update on what's going on. A++ Reviewed on: 11th April 2023

When required I am always given the required help and assistance to resolve my query.

I had an issue with the app and after a few minutes explaining the procedures, I had no further problems accessing it. Reviewed on: 11th April 2023

Transparent and in my control

The app puts me fully in control of my credit card, i have all my information at a glance. Zopa offers limit increases at a sensible rate and when you are eligible, but also lets you turn them down, which is great to keep you in control. Reviewed on: 11th April 2023

Recommended credit card

I have been with zopa quite a few months now. Have never had any problems with them. Communication was great through out the application process and acceptance was really fast. Reviewed on: 11th April 2023

Awesome

Great product, low Apr, amazing service Reviewed on: 11th April 2023

Great card

Great card not too much credit so you can stay in control and the app is brilliant Reviewed on: 11th April 2023

Quick, efficient and reliable

Very efficient service. Great response time, no stress application. Would highly recommend. Reviewed on: 11th April 2023

Amazing app and service

Top card to have - assisting with credit building and understanding the situation you are in Reviewed on: 11th April 2023

Very good customer service

There’s no hassle and always happy to help Reviewed on: 11th April 2023

Great service

Sensible lenders . Happy with my credit limit. Doesnt lend beyond customers ability to pay. Reviewed on: 11th April 2023

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