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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)

The best

Very professional no issues at all Reviewed on: 28th March 2022

Best credit card ever

Brilliant service and easy to use Reviewed on: 28th March 2022

Easy to use

Pleased with the accessibility when you apply for and also with the functionality of the Zopa app. 5 stars experience. Reviewed on: 28th March 2022

Great experience

My experience with zopa has been really good and smoothe running.so easy to make payments and pay monthly payments. Reviewed on: 28th March 2022

Very good credit provider

Good very easy to use no issues no complains Reviewed on: 28th March 2022

Excellent

Excellent easy access to Zopa with the app easy to use to make payments Reviewed on: 28th March 2022

Good card to have

Zopa is a great card to have Never had any problems with it Reviewed on: 28th March 2022

Improvements to communication needed

I’ve been using Zopa for a while and it’s generally gone well, although it’s annoying you have to pay via card and no direct debit. This month payment got declined by the bank because they didn’t complete 3D secure, emails sent out contain payment link so was blocked as spam, text message contained a random link to pay at that point they already charged me extra, contacting via chat they refused to reverse this still waiting on complaints team. Not confident in there security or very happy Reviewed on: 28th March 2022

Really great app!

Once you make a payment it clears straight away unlike other credit cards Reviewed on: 28th March 2022

Zopa Credit Card

Great service, no constant e mails or ads just once a month when my bill is generated. Value for money, no hidden charges. Really recommend them. Reviewed on: 28th March 2022

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