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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)

Simple and easy credit card

No fuss, easy to understand, straightforward best credit card I have had Reviewed on: 28th March 2022

So simple

Zopa made it such an easy process to apply and it all moved along seamlessly. Good service and the app is super easy. Reviewed on: 28th March 2022

Great service and product

Great product very fair charges and super app Reviewed on: 28th March 2022

Great customer experience

I fell behind due to change in my personal circumstances and ZOPA worked with me to reduce a negative impact on my credit report. My account is not up to date and I am very appreciative of the help I received. Reviewed on: 28th March 2022

Amazing Credit Card

Zopa is an excellent credit card, low interest and accepted in all countries. I'm really glad to have you. Reviewed on: 28th March 2022

Good customer service

Not had any issues could look at extending credit limit a lot quicker Reviewed on: 28th March 2022

Easy, efficient & exactly what you want in a provider.

Every interaction has been easy, and a super quick process. Couldn’t recommend high enough & will always use them in the future. Reviewed on: 28th March 2022

Great App!

Very usable and useful App. Great experience having a Zopa Credit Card. Reviewed on: 28th March 2022

Good friendly non-aggressive service.

A card you can trust. One of very few cards I would reccomend. Reviewed on: 28th March 2022

Fair and really good bank

Love thos bank you know where you are and if you need any help customer services are fab Reviewed on: 28th March 2022

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