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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)

Best Bank

Easy fast and simple and friendly staff. Reviewed on: 26th February 2023

Excellent customer service and app is easy to use

I would recommend Zopa to anyone I have a credit card and the app is so easy to use and they provide excellent customer service Reviewed on: 26th February 2023

Zopa Card review

Amazing experience. Good customer service and payment methods are flawless Reviewed on: 26th February 2023

Easy management

Easy to follow your spending and payments using the app getting alerts when reaching your limit and set a spending buffer so you never spend more than your credit limit. Top product highly recommended Reviewed on: 26th February 2023

Excellent easy service

Quick response time. Easy payments Professional, friendly, knowledgeable customer service. Reviewed on: 26th February 2023

Would definitely recommend

Had credit card for a while now and are very pleased in the way you can spend without any problems.. Reviewed on: 26th February 2023

Saviour

Pretty good service, much needed help at the time. No issues so far Nice customer interface and updates. Reviewed on: 26th February 2023

Only gives 3 months interest free on balance transfers

I needed to do a balance transfer as I was paying a lot of interest on my credit cards at the time and my credit rating wasn't great so I couldn't open another card with a mainstream bank. The only option my credit score gave was Zopa. They gave 3 months! Most companies give at least a year Reviewed on: 26th February 2023

Highly recommended

Account is easy to set up & use & great customer service is always available should the need arise. Keep up the great work Reviewed on: 26th February 2023

Brilliant

Easy access to pay for goods reminders of when payment is due early so you know when it's due so it gives me time to make the payment on time Reviewed on: 26th February 2023

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