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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Very easy to use and helpfull customer service

Great card. App it very easy to use and you can create a buffer zone on your credit limit to keep for emergencies. Best card I have ever had by far Reviewed on: 21st February 2023

Easy process

Really easy to open your account and process your payment Reviewed on: 21st February 2023

Changed my view on credit cards

Having zopa has really changed how I see credit & how I use it! Thank you!! Reviewed on: 21st February 2023

Fantastic flexibility

Interest rates are very good, and the customer service is outstanding. The app is very easy to use and access all information needed! Would highly recommend Reviewed on: 21st February 2023

Amazing service

Very impressed and happy with quality of the service. Reviewed on: 21st February 2023

Easy to use

Easy to use and contact. Would recommend. Reviewed on: 21st February 2023

Credit card

From the start everything has been made clear and always kept inform of what is happening Reviewed on: 21st February 2023

Excellent service

I applied for the card on the Monday and received it on the Friday. Excellent service. Reviewed on: 21st February 2023

Excellent

Cannot fault them so helpful and friendly Reviewed on: 21st February 2023

Very helpful

Never had an issue even if over limit they are not on your case Reviewed on: 21st February 2023

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