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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)

The repayment is fantastic and the statement is unde...

The repayment is fantastic and the statement is understandable. Giving me an early notice about my repayment makes it easy for me to plan ahead. Reviewed on: 15th January 2026

Easy to access account

Easy to access account clear connections Reviewed on: 15th January 2026

Easy to apply.

Easy to apply. Customer service is great and friendly Reviewed on: 15th January 2026

No problems experienced

Had no problem, always let me know if going over balance and when payment due. Payment taken on scheduled day. Plenty of notifications about account. Reviewed on: 15th January 2026

I am very happy with with zopa from the rates to cus...

I am very happy with with zopa from the rates to customer service Reviewed on: 15th January 2026

Excellent experience with ease of use

Excellent experience with ease of use Reviewed on: 15th January 2026

The application was very straightforward and easy to...

The application was very straightforward and easy to apply Reviewed on: 15th January 2026

Realy easy to pay balance and excellent rates

Realy easy to pay balance and excellent rates Reviewed on: 15th January 2026

Seamless application and everything I needed was sor...

Seamless application and everything I needed was sorted by Customer Service Reviewed on: 15th January 2026

So far so good

So far so good, all payments go smoothly can’t complain Reviewed on: 15th January 2026

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