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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

Help ed me when needed with more money

Help ed me when needed with more money Reviewed on: 14th October 2025

My credit card has been frozen due to suspicious act...

My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with no luck and then this morning managed to get hold of someone on the live chat who was very unhelpful, with just a message of "a mass communication will be sent out to customers today" In this time I've had payments declined and subscriptions cancelled due to none payment, nightmare! This issue has highlighted that Zopa Bank really lacks ways to get support when you need it, I would highly recommend people take this into consideration when deciding if they want to use Zopa. Reviewed on: 13th October 2025

Good experience no nonsense approach to banking

Good experience no nonsense approach to banking Reviewed on: 30th July 2025

No complaints

Card easy to set up and get going east repayments Reviewed on: 7th July 2025

Fantastic service with my credit card,I never had a...

Fantastic service with my credit card,I never had a problem that was not to much trouble to be sorted specially when I got scammed they cancelled the old card and replaced it within three working days.also very easy to get thru to customer service Reviewed on: 21st June 2025

I can't believe how easy and hassle free to apply fo...

I can't believe how easy and hassle free to apply for a credit card with them. Love the colour of the credit card Reviewed on: 12th June 2025

A great little app managed card, ideal for building...

A great little app managed card, ideal for building your credit rating. I just wish their customer support was a bit more responsive, they do respond but there is a large delay, measured in days. Hopefully that is just them being new and they will staff this desk accordingly. Reviewed on: 12th June 2025

Great service easy to use the app.

Great service easy to use the app.. Reviewed on: 14th May 2025

Amazing credit card really helps me manage my money

Amazing credit card really helps me manage my money Reviewed on: 10th May 2025

Thank you

I very like it this Bank. It's beautiful Reviewed on: 7th May 2025

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