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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)

Excellent customer service

Very easy to contact and always give clear advice/instruction Reviewed on: 21st February 2023

Amazing service from Xopa

Zopa made the application process very simple and continue to provide updates on the app, they also review your account and offer credit increase if wished to accept. App is very easy to use and would definitely recommend. Reviewed on: 21st February 2023

Zopa make everything easy

The app is easy to use, you can find everything you need to know on there, from your APR rate to your transaction list and so on. Zopa have given you options to help manage payments and advice on loans. Things that are really useful! Plus it looks great too! Their online chat is easy to use and I have always found the customer service agents super helpful. Reviewed on: 21st February 2023

Great credit card

Very good card easy app to use the card came very quite Reviewed on: 21st February 2023

Great company

It was very easy to apply and I can easily manage everything within the app. Reviewed on: 21st February 2023

Efficient service

Online and simple. Ease of use is fantastic. Reviewed on: 21st February 2023

Affordable

Affordable and bulits your cerdit if in bad cerdit its a great way to put you on the right path Reviewed on: 21st February 2023

Great Card to have

This is a great card to have, as you are able to use it for all your needs. Customer service is also good,they answer your questions quickly. Reviewed on: 21st February 2023

Zoopa

Good credit card and I am very happy with it Reviewed on: 21st February 2023

Really good service

Very happy with my Zopa credit card. In contact but not overbearing and they were helpful when I needed to speak to them. Used Zopa before and very trustworthy. Reviewed on: 21st February 2023

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