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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)

Excellent

Good deals with hood outstanding products Reviewed on: 16th January 2026

Very impressed first time customer.

As a first time customer, Zopa has been really amazing. Their app is very easy to navigate, very good interest rate and repayment options, great consistent communication and convenient. Love the many perks that come with the credit card as well. Reviewed on: 16th January 2026

Keep you updated.

Keep you updated. Always on hand to help. Reviewed on: 16th January 2026

My summary of the excellence of Zopa Credit Card

Zopa provide customers with updates, new opportunities and the website, makes my account management simple and non time consuming. Zopa provide current updates on my account providing emails of very recent activity on my account which would enable me to recognise if my card had been used in a transaction other than myself, and thus provides an immediate alert of “potential fraudulent use”. Thoroughly happy with Zopa and thanks, Reviewed on: 16th January 2026

Easy repayments creddit goes straight back into acco...

Easy repayments creddit goes straight back into account Reviewed on: 16th January 2026

Zopa is very helpful with getting ones finances back...

Zopa is very helpful with getting ones finances back on track, the app is also very user friendly. Reviewed on: 16th January 2026

Zopa are very good any problems solved straight away...

Zopa are very good any problems solved straight away I have set up a monthly plan so no worries about miss payments Reviewed on: 16th January 2026

It always a pleasant experience with Zopa.

It always a pleasant experience with Zopa. I use Zopa Credit Card as my primary Credit Card and the rates are more affordable that the other cards which are available and you get a great customer service experience and timely resolution on any issue you may encounter. Reviewed on: 16th January 2026

Great rate, amazing customer service and fair credit...

Great rate, amazing customer service and fair credit abount. Reviewed on: 16th January 2026

Great experience with Zopa.

Great experience with Zopa. Everything is simple, fast, and clear. The app is easy to use and the process is very transparent. Highly recommended! Reviewed on: 16th January 2026

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