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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 Service Good Communication From Advisors Help...

Great Service Good Communication From Advisors Help Appreciate Keep Up The Good Work Reviewed on: 15th January 2026

Great customer service, very good app and easy to us...

Great customer service, very good app and easy to use, helping to manage finances effectively with lots of tips and ideas. Able to see how my spending effects my credit score and ways to improve, ability to see my options. Reviewed on: 15th January 2026

Excellent service, the app is so easy to navigate,gi...

Excellent service, the app is so easy to navigate,gives you all the relevant information that you want and excellent savings advice. They keep you informed when any payment is due,so you are always made aware of when your payment is taken, which is very helpful. I would recommend Zopa to anyone enquiring about a financial service Reviewed on: 15th January 2026

Zopa Credit Card

Excellent customer service. Offer good advice Reviewed on: 15th January 2026

Always ready to help.

Always ready to help. Easy to navigate site. Reviewed on: 15th January 2026

Low monthly payment interest charges could be a bit...

Low monthly payment interest charges could be a bit lower Reviewed on: 15th January 2026

Easy application.

Application process was easy, I like the amount of communication sent out, just enough. App is well thought out and easy to use. Interest rates are in line with other cards. Reviewed on: 15th January 2026

Had a Zopa card for a number of years.

Had a Zopa card for a number of years. It has a great customer friendly app and modern features. Reviewed on: 15th January 2026

Great account and easy to manage

Great account and easy to manage payments good little credit builder and not extremely high interest rates like others Reviewed on: 15th January 2026

Good communication

Website easy to use. Information needed is easy to see and follow. Generally the website is user friendly. Reviewed on: 15th January 2026

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