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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)

Fast and freindky

I have had a very positive experience with this company. Any queries I have had have been resolved in a fast and friendly manner Reviewed on: 21st February 2023

The magic card (zopa)it makes my transaction easy every day

Very easy and friendly users. Always reliable and efficient service Reviewed on: 21st February 2023

Amazing company

I can’t fault this company at all! Reviewed on: 21st February 2023

Amazing service, reliable, quick and great customer service

I have had zopa credit card for a while now and have found the whole bank/ online bank so simple and easy to use, definitely good for me as i'm a beginner credit card user . the customer service is great and always get back to me very quickly. Reviewed on: 21st February 2023

Easy to use, not expensive

Had no issues, everything is smooth. Reviewed on: 21st February 2023

I've already recommended them to friends and family.

Zopa is very simple to use with reasonable rates, their app helps me keep track of my spending and set a buffer so I don't spend too much. Really helps me to manage my card. Reviewed on: 21st February 2023

Great tailored rates

Great app, easy to use and good rates Reviewed on: 21st February 2023

Great service

Great service. Easy to use and website is good also Reviewed on: 21st February 2023

Fantastic company

Zopa have been great, their interest rates are so reasonable and I get to pick my direct debit amount which I'm comfortable with. I like that I get alerts on how much my balance is so I can keep an eye on spending and they make payments really simple. The app is really easy to navigate as well which makes it nicer to see all of Zopas offers. Reviewed on: 21st February 2023

Positive experience.

Never had an issue with my Credit Card, few times I've needed support they've been extremely quick to respond and resolve the issue. No complaints, happy customer! Reviewed on: 21st February 2023

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