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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Best in small doses

Zopa is a no nonsense credit card. Easy to use on PC or phone, easy to keep a check on, and easy to spend and pay back without worry. I love my zopa card Reviewed on: 25th January 2022

Zupa

Had good experience quick and efficient Reviewed on: 25th January 2022

Easy to use & great customer service

I've rarely had to contact them as the app works brilliantly, but the customer service is so second to none. Reviewed on: 25th January 2022

Superb

Easy to use , great customer service Reviewed on: 25th January 2022

Excellent service

Excellent customer services. App is straight forward and easy to use. Payment alerts are great Reviewed on: 25th January 2022

Hassle-free and pressure-free at every turn.

I have nothing but positive things to say about Zopa. The process was very easy and got me out of a sticky spot financially at the time. Reviewed on: 25th January 2022

Zopa is awesome

I have had a very good experience with Zopa, Always informative and offer a great service Reviewed on: 25th January 2022

great card.

great card, with great features. Reviewed on: 25th January 2022

Excellent easy to manage card.

Great card, that's is easy to manage online. See spending instantly as well as reduce balance and make payments. Reviewed on: 25th January 2022

No game playing

Zopa are straight forward, transparent and upfront. No hidden fees, and they take a direct debit when they say they will. I also like the reminders leading up to the direct debit date. Reviewed on: 25th January 2022

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