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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 choice

A very good credit card provider and always helpful Reviewed on: 15th January 2026

Zopa, the bank thats going places....

Since i joined Zopa, they have been extremely professional and i cant fault there great app, being so easy to use. Customer service is second to none and overall they are certainly a Bank I'm happy to recommend. Reviewed on: 15th January 2026

Good and they've had no trouble since I have been wi...

Good and they've had no trouble since I have been with the company Reviewed on: 15th January 2026

Alway's have my interest in giving me credit i could...

Alway's have my interest in giving me credit i could afford , and Alway's there if I need them. Reviewed on: 15th January 2026

I feel in control with my spending

I feel in control with my spending Reviewed on: 15th January 2026

I needed a loan short term.

I needed a loan short term. The money went into my bank within minutes Reviewed on: 15th January 2026

Credit the way it should be

Everything went very smoothly and service was quick and efficient Reviewed on: 15th January 2026

Came across zopa a few year's ago and been very happ...

Came across zopa a few year's ago and been very happy using there Credit card .I feel very confident and when calling the service desk for information zopa always answer quickly and resolve or answer my questions fast and professionally. To be honest the app offers alot more and most info is on thereapp. Finally I would recommend using Zopa the APR is also lower than most lenders. Reviewed on: 15th January 2026

Excellent service

Zopa provide excellent customer service and helpful advice. Reviewed on: 15th January 2026

Have been with Zopa for several years now.

Have been with Zopa for several years now. Excellent credit card provider, helping to build my credit score. Reviewed on: 15th January 2026

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