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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)

Would recommend to family and friends

Help when needed online, fast response, low Apr. Reviewed on: 6th April 2023

There when I needed it

I was made redundant from a company that went into administration which meant I was not receiving any pay that month. Zopa we’re there with a 0% balance transfer credit card when I needed them to help me pay my bills until I was back on my feet Reviewed on: 6th April 2023

Great features

Great app and control features, helps me park a portion of my limit for rainy days. Reviewed on: 6th April 2023

Easy to use - simple to understand

Great customer service. Quick turnaround and cannot fault the service I have received from Zopa Reviewed on: 6th April 2023

they are reliable and very prompt

I for one am satisfied with the services Reviewed on: 6th April 2023

Great deal and easy to deal with

Zopa are able to offer a range of solutions for all people. Their facilities to search for and apply for options are easy to navigate and to get a great deal whatever your circumstances. Once a product is in place they support you with regular friendly updates and tips to improve the options for future needs. Excellent and thank you. Reviewed on: 6th April 2023

Brilliant card

Really good card, easy to use app which keeps you updated on spending and a credit cushion which helps to keep you on track Reviewed on: 6th April 2023

Pretty good experience

Firstly the positives - the app is brilliant. Payments go on immediately so no waiting for days for the balance to be available. Security measures are good. The only negative (and why it got 4 stars) is it isn't contactless so I tend to only use it for online purchases. Who can remember PINs these days? Reviewed on: 6th April 2023

Supportive Credit Card

Everything is put in context with Zopa. They are aware of the difficult times. Reviewed on: 6th April 2023

Treat people like humans

I have been dealing with Zopa now for a number of years, and always felt comfortable when speaking with someone from the company. They treat you with respect and are polite and always helpful they are professional at all times, and would have no hesitation in recommending them to friends and family Reviewed on: 6th April 2023

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