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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)

Costumer service

My experience with Zopa has been fantastic always helpful always professional Reviewed on: 28th March 2022

Amazing service

I find Zopa is very useful card and amazing service Reviewed on: 28th March 2022

The application form was so easy

As a bankrupt ZOPA was the only credit card I could acquire. Its helping me rebuild my credit were no one else will I've never missed a payment on old accounts just fell on hard times thanks ZOPA Reviewed on: 28th March 2022

Best Credit Card

This is the best credit card ever,all notifications about the payments are in real time+ you increase the credit limit after a short wile. Reviewed on: 28th March 2022

Excellent service my thanks

Excellent service many thanks for everything Reviewed on: 28th March 2022

Solid. Fast, great service. I love the cushion feature. An amazing first credit card

Solid. Fast, great service. I love the cushion feature. An amazing first credit card Reviewed on: 28th March 2022

Brilliant service

Been using ZOPA for a while.now and they are clear on fees and they have a very friendly customer service. would highly recommend. Reviewed on: 28th March 2022

this is the best credit card i ever had

Zopa so far is the best credit card company I've ever had, I use it in every establishment I can, I tell my friends best credit card Reviewed on: 28th March 2022

Excellent

Excellent service, easy to use the app everything is straight forward brilliant had no problems Reviewed on: 28th March 2022

Helpful customer service

Had a problem and they were helpful to sort out my problem Reviewed on: 28th March 2022

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