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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)

What I wanted from a credit card.

Flexible and offering purchase protection my card was exactly what I wanted. Customer service is responsive and helpful. Can't really ask for more. Reviewed on: 21st February 2023

Easy, affordable

Easy application at affordable rates, cant fault them. Reviewed on: 21st February 2023

Great card to use plus payments are well explained

My statement comes on my app each month and payments are smooth from my account each month Reviewed on: 21st February 2023

best service

The credit card is extermely easy to use with the help of the app its easy to manage on everyday basis. Reviewed on: 21st February 2023

Easy application

Very straightforward, card arrived quickly, app easy to use. Reviewed on: 21st February 2023

Clean, modern and easy.

Really modern solution, great app and lots of services. Reviewed on: 21st February 2023

Professional

Very professional and great service in the app Reviewed on: 21st February 2023

Amazing

No hassle at all. Straight forward Reviewed on: 21st February 2023

Easy as 1,2,3

I have had a great experience so far with Zopa. The app is easy to understand, I know what I have spent and where. The notifications I get when I have spent on the card are reassuring, especially as my debit card details had been compromised recently through a well known food delivery app. The card was cancelled with a new one taking 5 working days. My credit card came to the rescue and allowed me to get groceries and other essential items. The app is easy to navigate and I like the feature that allows me to see my pin number for a limited time before disappearing. Zopa let's me know in good time when the interest rate changes so I can make informed decisions about my spending. Reviewed on: 21st February 2023

Helpfulness

Zopa in my eyes are a fantastic company to be with especially there customer service team, very helpful Reviewed on: 21st February 2023

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