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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)

Customer service

Amazing customer service very helpful staff Reviewed on: 22nd February 2023

Credit card

Amazing! Great service and application Reviewed on: 22nd February 2023

Pure class l.

Unbelievable service matched with fast and efficient customer care. Reviewed on: 22nd February 2023

Really good

Really good credit card with an easy to use app to check balance and spend. Reviewed on: 22nd February 2023

Financial help when no one else would

Thanks to Zopa for giving me the help i needed to get back on the credit ladder when no other bank would Reviewed on: 22nd February 2023

All round great card

Great card love the credit buffer and loads of security so I always feel confident using my Zopa Reviewed on: 22nd February 2023

Great credit card

Great credit card, easy to use and pay back on the app, quick and easy, stress free.... Reviewed on: 22nd February 2023

Great company

Zopa are always happy to help on the phone and sort problems out straight away thank you Reviewed on: 22nd February 2023

Very happy

Thankyou for giving me the chance to grow my credit. Reviewed on: 22nd February 2023

Great card

It's a simple to use card that allows you to spend money easily. You can view your pin very quickly if you're stuck forgetting so you aren't holding anybody up and you can pay using the app very quickly. I think it's great. I'd like a bigger limit but I understand being a responsible lender that they can't which shows they are a good company. Reviewed on: 22nd February 2023

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