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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)

Great card

Brilliant card, with invaluable customer service. Reviewed on: 25th January 2022

Great service great all around

Zopaa customer service is excellent. Always go above and beyond and explain things in debt so you always fully understand. They show you clearly how to improvd your score and want to help. They are fair with ther credit card limit too Reviewed on: 25th January 2022

Happy customer

Never had any problems, friendly reminders. Reviewed on: 25th January 2022

Zopa is fab

First I had the credit card and a year later I had a zopa loan..love the App Reviewed on: 25th January 2022

Excellent hassle free service

Have been a client for 2years and have had no issues with Zopa. Very friendly to use app and user interface. Have recommended to friends Reviewed on: 25th January 2022

Montey5512

Easy and clear to use , no hidden charges Reviewed on: 25th January 2022

Excellent card

Zopa is a very easy to use card and app, always kept in the loop with all transactions and very helpful if need to get InTouch Reviewed on: 25th January 2022

Exceptional

My experience has been great with Zopa from getting a loan to a credit card and now to a saving account has been excellent. I love thier App one of the best banking apps i have used Reviewed on: 25th January 2022

Wrong personal information constantly on my " eligibility " section

I have had this card for nearly a year and I've had the wrong information on my profile and also eligibility page, Zopa think they are in the right when I have supplied multiple times evidence to show that it is mot myself nor Equifax but it is Zopa Reviewed on: 25th January 2022

Quick decision

Quick decision but slow to give credit increases when account is in permanent good order Reviewed on: 25th January 2022

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