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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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Excellent

An excellent service with an app that’s very easy to use Reviewed on: 26th January 2022

Excellent caring bank what all banks should be likehoul

Every time I call they listen to you and are their to help if possible Reviewed on: 26th January 2022

Fast and easy

Application fast and great ap which is easy to navigate Reviewed on: 26th January 2022

Great service, no problems whatsoever

I've been with Zopa for some time and have had nothing but too class service, immediate help when needed, and no issues at all. Would happily recommend them to family and friends. Reviewed on: 26th January 2022

fantastic for credit bulding

brilliant Reviewed on: 26th January 2022

Satisfied customer.

Fabulous service and very straight forward. Reviewed on: 26th January 2022

Very Pleased

Straight forward, fantastic app. Great customer service. Reviewed on: 26th January 2022

Almost perfect

I have an easy experience with Zopa, they have a great app and support my credit building well. I think that in order to be perfect, Zopa would lower their interest rates to support people who are trying to correct their credit and do so in an affordable way. This way, they’re really operating with their customers benefit in mind. Reviewed on: 26th January 2022

Awesome Customer service

Excellent customer service, great user-friendly interface. Zopa is my first credit card and I have been able to manage my finance with the low credit limit I was awarded, I hope to get an increase in my credit limit in 2022 as soon as possible. Thank you Zopa Reviewed on: 26th January 2022

Great service, easy to use

A really easy experience. Fast application process. Got my card quickly. Activation and PIN done on the app. Transaction notifications toy phone instantly when I use the card and instant updates on the app when I make payments. A must more fluid system than other cards I've used. Reviewed on: 26th January 2022

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