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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)

Great Customer Service.

Easy to connect with and prompt answers to requests.in my experience interest rates are really competitive.Any problems,sorted quickly. Reviewed on: 15th January 2026

one of the best cards around

Excellent service excellent product very friendly and helpful staff Reviewed on: 15th January 2026

Good experience spending money abroad no extra charg...

Good experience spending money abroad no extra charges great exchange rate Reviewed on: 15th January 2026

Delivered what I expected from them

Delivered what I expected from them Reviewed on: 15th January 2026

Always great customer services.

Always great customer services. Best Credit Card I’ve used by a country mile! Reviewed on: 15th January 2026

Excellent communication and excellent mobile app

The communication that you receive regarding your card and the transactions is on point. The bank app is very user friendly. Reviewed on: 15th January 2026

I had a poor credit rating and I I applied to Zopa a...

I had a poor credit rating and I I applied to Zopa and was accepted straight away. Reviewed on: 15th January 2026

I've always found zopa helpful and polite everyone I...

I've always found zopa helpful and polite everyone I've spoken to has been professional and helpful they treat you with respect and kindness it's a joy to speak to them Reviewed on: 15th January 2026

Brilliant

Well polished app, which works perfectly. Easy to navigate and loads quickly. Application is straight forward and decisions are swift with explanations for all applications. Reviewed on: 15th January 2026

Excellent

Excellent product and outstanding customer service Reviewed on: 15th January 2026

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