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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)

Gave me a chance

Firstly, I was in financial trouble a few years back, my credit rating was low, I wanted a credit card that i could use here and there to improve my rating. Zopa gave me a chance when no one else would the APR isn't bad, the app is great and whenever I have had a query the team have been polite, helpful and always sort me out quickly. Thanks Zopa. I hope to be a customer for a long time. James. Reviewed on: 26th January 2022

Top

Top no drama company excepted me with not the best credit score and I’ve never let them down paying Reviewed on: 26th January 2022

Really good credit card

Really good credit card with good interest rates. Reviewed on: 26th January 2022

Easiest customer service experience I have ever had

I have used Zopa for just over a year now, it has been the most easiest company to deal with, the customer service interaction is outstanding and I believe if other companies were as good then the whole business attitude would change. From professional experienced and mostly cheerful staff to the communication with customers on updates or offers is outstanding. The easy to use app and the service they provide is why they should win an award. Reviewed on: 26th January 2022

Great credit card.

So glad I chose Zopa the App is easy to use and very convenient for making regular payments and finding out about offers personal to me. Reviewed on: 26th January 2022

Excellent Service

Outstanding customer service easy to set account up. No problems just brilliant Reviewed on: 26th January 2022

Simple efficent easy to use thats zopa

This card and app is simple easy to use all on the app as well just a way of life with zopa highly reccommeded Reviewed on: 26th January 2022

Its a great card to have I like the way it texts u to show u what u spending

Its was fast and easy to get and to set up Reviewed on: 26th January 2022

Excellent service

Love Zopa, keeps you updated on what you spend, how much you have, would definitely recommend Reviewed on: 26th January 2022

Most modern Credit Card

So easy to use and in this day and age everything needs to be fast and zopa does not let you down. Payments and transfers are simple and almost instant which is what makes it really stand out. Reviewed on: 26th January 2022

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