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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 service

Quick application. Loads of useful notifications regarding your account. If I won, i would clear my balance :) Reviewed on: 11th April 2023

Good review.

I like Zopa because it helps me with my purchases. Reviewed on: 11th April 2023

Fast Payments Flexible Card

Most Credit cards have problems processing payments or problems at the tills. This card processes your payments instantly preventing 3-5 day delays in available funds and I've never had a problem at tills like some other cards I've used. Customer service is easy to get hold of , but you will never have a problem to call them about. A new way of credit that should be the norm. Top marks. Reviewed on: 11th April 2023

Great

Always there to help, great service Reviewed on: 11th April 2023

Zopa credit card

Excellent easy to use app , payments wuick and easy with no problems with changing direct debit dates Reviewed on: 11th April 2023

Great and transparent company with great service

Since I've had the credit card from Zopa I've had excellent service, clear notifications about spend, repayments etc and they have many options in helping you save, plan and a variety of other useful things. They're very transparent and upfront about everything and I would definitely recommend Zopa for any of their services. Reviewed on: 11th April 2023

British number 1

Best credit card and loan, stress free and no hassle Reviewed on: 11th April 2023

Seamless and intuitive

Perfect system. Very intuitive. Zopa have thought about their customers with a card and app that work for you. They work perfectly together. I also have a car loan with them and that’s simple and hassle free too. All perfect. I’d recommend Zopa to anyone. Reviewed on: 11th April 2023

Clear view of you credit

The card and app is easy to use the interest rate is fair and when you make a payment the amount updates that day! Reviewed on: 11th April 2023

Simplicity

Whats not to love? Real-time payments. Great Customer Service. Reviewed on: 11th April 2023

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