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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)

Best customer service

Quick acting and positive customer service, always on the other end of a call no matter how small the issue Reviewed on: 21st February 2023

Easy to manage

Easy to manage your account with useful tips to improve credit score. Highly recommended! Reviewed on: 21st February 2023

Perfect for first time credit

Zopa have been fair and helpful I've been with Zopa for a while now and I have never had a problem with them Reviewed on: 21st February 2023

Got card when needed

Easy to apply for credit card snd quick. Reviewed on: 21st February 2023

Handy

Very handy in emergencies when you run out or forget your money Reviewed on: 21st February 2023

Brilliant

Very easy and very informative of any changes Reviewed on: 21st February 2023

Easy and reliable service

Easy and reliable service. Zopas app is excellent and allows for quick updates and checking of your account. Highly recommended. Reviewed on: 21st February 2023

Fantastic company

When no one would give me a chance these did and they have been great throughout my time with them. Even had my car hijacked and my card was in my car and they were so kind and supportive and helpful throughout. Highly recommended company Reviewed on: 21st February 2023

All helpful

The best credit card I ever had Reviewed on: 21st February 2023

Interest rate

Went up 10% since i have it. So it was not fixed as promised. Reviewed on: 21st February 2023

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