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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)

Simple and effective

Very easy to use and understand with everything explained in a sensible way and with an easy to manage credit limit. Excellent. Reviewed on: 28th March 2022

You know where you are all the time.

Great customer service, I was a victim of a fraud and zopa sorted the situation out in 24hrs. A brilliant app also. Reviewed on: 28th March 2022

Simplistic yet super effective

Quick and easy getting and quick and easy using it ! Plus much much more tools if needed ! Reviewed on: 28th March 2022

Miss S

Really good to deal with, very informative but do not harass you. Would without a doubt recommend. Reviewed on: 28th March 2022

I love Zopa it saved my life

<3 I really needed Zopa and now I have it :) Reviewed on: 28th March 2022

Why I think Zopa deserves to win

They have a low interest rate and low repayment rates if you need them they are honest and fair and look at all aspects of your financial situation before taking you on They also offer a wide range of debt management products and advice Reviewed on: 28th March 2022

Helpful

Good friendly and helpful. East to understand with monthly statemennts Reviewed on: 28th March 2022

Great, hassle free

Very easy to set up and manage, app works really well. Reviewed on: 28th March 2022

Outstanding Service

I’ve just been outstanding and keep you updated, can’t recommend them enough Reviewed on: 28th March 2022

I recommend to my friends

Quality service and excellent capabilities Reviewed on: 28th March 2022

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