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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great company

Great company easy to use ,cheap and manageable Reviewed on: 28th March 2022

Reliable and simple

I applied for a loan to reduce my outgoings and within minutes of finishing the application it was all taken care of!! Excellent service Reviewed on: 28th March 2022

Top Quality Service Without the Hassle

Signing up to Zopa was easy and seamless making it a worry free experience. It's been really easy to manage my credit card using the app meaning I've managed to stay within my credit limit. The features of the app are excellent, especially where I can make over-payments when able and keep track on my spending. I would highly recommend Zopa without hesitation. Reviewed on: 28th March 2022

Reliable Service

I never had any issues with Zopa and I feel safe whenever I purchase something because of this. Reviewed on: 28th March 2022

Excellent service & customer service

Fantastic credit card service and great efficient customers also. Reviewed on: 28th March 2022

Easy and reliable service

When I applied for the credit card, I had an answer immediately of how much I would receive. I was very happy with the service and the card help me a lot. I would recommend this bank service to everyone Reviewed on: 28th March 2022

Excellent

Very easy application. With approval in principle without affecting your credit score. And fast response when card agreed. Reviewed on: 28th March 2022

Excellent service

Over joyed with my Zopa credit card couldn’t ask for more Reviewed on: 28th March 2022

AMAZING ...

Great company - easy to onboard - easy to get in touch - easy to pay. This is what finance should be - accessible and easy!! Reviewed on: 28th March 2022

Yep would definitely recommend

Fast friendly and very helpful service Reviewed on: 28th March 2022

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