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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)

Simplicity

Zopa have a simple, clean, fully functioning app that even old brick of a phone can run. The service provided is fast and the very few times I've needed to contact customer services, they habe been very friendly with instant updates on my account's situation. A very good company & service. Reviewed on: 26th January 2022

Excellent service

When my bank account got hacked just before Xmas my bank stopped Ll my dd’s and my bank cards. When it came time for me to pay my Zopa payment I had forgotten to reset up. They sent me a little polite email asking if there was a problem, so I rang them straight away and they was so sympathetic and could not do enough for me to help and make sure I wasn’t charged late payment fees. TOP COMPANY Reviewed on: 26th January 2022

much recommended

Really Good at bad times easy approved and user friendly.. Reviewed on: 26th January 2022

Good

Very good credit card bank, it allows you to use lots of cash payment and to repay the balance online is done instantly. Reviewed on: 26th January 2022

Fantastic

Fantastic service and products absolutely can't fault them on everything they say and do. Reviewed on: 26th January 2022

One in a million

Fantastic rates app and customer service Reviewed on: 26th January 2022

Professional and humane bank services

A bank that understands the needs of its customers Reviewed on: 26th January 2022

Wonderful service

It’s so good experience in creating a good way to get a help Reviewed on: 26th January 2022

No fuss credit

All good straight forward very helpful credit card Reviewed on: 26th January 2022

Top class company

Keeps you updated on your spending & payments due every step of the way. Reviewed on: 26th January 2022

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