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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)

Straight forward and hassle free

I have been dealing with zopa for awhile now, 1st I got a credit card and then further down the line I took out a loan as well but each step in the process has been simplistic in every way, everything is explained clearly throughout the application stage. And once accepted the mobile app is very easy to used and keep an eye on your finances with all the accounts in the same place. Dealing with Zopa has been a pleasure and I will keep dealing with them into the future Reviewed on: 6th April 2023

Good company

No problem with application n app is very good n easy to use Reviewed on: 6th April 2023

1,000

My experience with Zopa is very positive. The system works well iand clear n terms of notifications in regards to award of amount borrowed, and payments. I like also that they let you know every month within two or three days previously that the monthly payment is going to be taken from your account. I recommend Zopa Reviewed on: 6th April 2023

Great service at all times

This company is very good they are very helpful they are only a phone call away if you have any problems with payments I highly recommend them too any one who needs a loan ect Reviewed on: 6th April 2023

Easy application

Applied and accepted after short verification process . Reviewed on: 5th April 2023

Excellent

I have a credit card and loan with zopa and app access is amazing let’s me know what I owe, always send a reminder when payment is coming out and literally have no fault with this company at all!! I’ve never had to call up or email about anything! The most simple company I have come across!!! Keep it up zopa! Reviewed on: 5th April 2023

Great service

Always keep me up to date on my account. App is very easy and helpful. Reviewed on: 5th April 2023

Credit Card

I find Zopa as a very reliable organization as it endeavours helping needy people with their excellent rates. Reviewed on: 5th April 2023

Flexible and customer focused

These guys are great, very flexible with repayments and the app is very good with the customer in mind. 10/10 would recommend Reviewed on: 5th April 2023

Straightforward simple process

Really easy to use and understand, good app to manage finances. Would only use Zopa now Reviewed on: 5th April 2023

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