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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 customer service

Been with Zopa for a few years never had a problem with the service provided. Reviewed on: 15th January 2026

Would always recommend

I have been with Zopa for many years and never had any issues with them Reviewed on: 15th January 2026

Advisers very friendly.

Advisers very friendly. You are always kept in the loop. You never go over your limit. Access to your account is so very easy. You are never bombarded with emails or texts with rubbish. I wish i knew about the company years ago Reviewed on: 15th January 2026

Zopa provides a great service.

Zopa provides a great service. Really pleased to have the use of my card. Reviewed on: 15th January 2026

Very easy to use, interface is user friendly and nav...

Very easy to use, interface is user friendly and navigation is great Reviewed on: 15th January 2026

Never had a problem everything runs smoothly

Never had a problem everything runs smoothly Reviewed on: 15th January 2026

Very easy app to use.

Very easy app to use. Customer service great all in all great credit card Reviewed on: 15th January 2026

Easy to use app.

Easy to use app. Easy to set up. Good offers Reviewed on: 15th January 2026

I find Zopa a great card provider and excellent service

I find Zopa a great card provider and excellent service Reviewed on: 15th January 2026

Attracted to Zopa for the interest free offer

Attracted to Zopa for the interest free offer. Once joined I realised that not only is the app smooth and easy to use, but everything is very professional. Also Zopa offers far more than just a credit card. Banking, loans are all part of the system and easy to investigate without being hassled constantly. Reviewed on: 15th January 2026

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