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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 service

Good overall service no problems Reviewed on: 28th March 2022

Excelent service and fast application

Application was a breeze and all done in under no time, excellent service from zopa. A++++++++++++ Reviewed on: 28th March 2022

Very happy with service

I have had no issues with this company. The rates are great and the staff are helpful and friendly on the telephone Reviewed on: 28th March 2022

Brilliant service

Great service. Will definitely recommend Reviewed on: 28th March 2022

Quality customer service

Fantastic company. Excellent and top quality customer service. Nothing is to much for them.when assisting their customers Reviewed on: 28th March 2022

I WILL ONLY USE ZOPA

Zopa is a friendly, personal and efficient service I have ever used Reviewed on: 28th March 2022

Excellent sevice

The card app is easy to follow , great service Reviewed on: 28th March 2022

So easy, better than the rest

I love how my phone is notified immediately of any spending on my card. And that it gives the remaining balance too. Card has worked and been accepted wherever I've been. Reviewed on: 28th March 2022

Good and efficient but have been stuck on £200 for over a year.

I started with £200 and it's about 18 months my limit remains the same even though I pay by direct debit and have never default. Reviewed on: 28th March 2022

Easy to manage

The app makes it really easy to make payments and manage my card. Reviewed on: 28th March 2022

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