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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.

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)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Great communication when needing to speak to them, v...

Great communication when needing to speak to them, very easy to talk to someone Reviewed on: 15th January 2026

Great to use abroad

Great to use abroad on holiday no fees statements clear and easy to contact if query Reviewed on: 15th January 2026

Zopa is brilliant it helps when you need it

Zopa is brilliant it helps when you need it Reviewed on: 15th January 2026

A great experience. I would recommend.

My experience with Zopa has been great, from applying for my card, using the app. Everything is straightforward and easy to understand. I have only had to use Customer service once when my bill payment didn't go through online and they were really helpful. Paid through the app and it was immediate. They keep me informed of changes. I love that I am able to do most things through the app, like changing my pin, freezing my card when I thought I may have been hacked (I hadn't,) I feel totally in control. Reviewed on: 15th January 2026

Great card and fantastic customer service.

Zopa has been from day one a great credit card. It was easy to apply, I've been given a decent credit limit (not ridiculously low amounts for a credit card, like £100 or £200) and after some time using it and paying back I was offered an increase to my credit limit, without even requesting it. I'm very pleased with all service provided by Zopa and would most definitely recommend it to anyone. Reviewed on: 15th January 2026

Great card easy to use widely accepted and no fuss.

Great card easy to use widely accepted and no fuss. App is really easy to use and straight forward Reviewed on: 15th January 2026

Never had any issues, well informed, monthly updates...

Never had any issues, well informed, monthly updates and excellent customer service Reviewed on: 15th January 2026

Honest experience using this credit card

Efficient and clear service is made easy for new customers Reviewed on: 15th January 2026

Never had any problems with Zopa excellent service

Never had any problems with Zopa excellent service Reviewed on: 15th January 2026

Never had any problems and I like the fact that goin...

Never had any problems and I like the fact that going over your limit by the added interest won't cost you £12 Reviewed on: 15th January 2026

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