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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.

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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 (44348)

Better than all the rest

Zopa is the best credit card I've found in 35 years of looking.well done to everyone involved. Reviewed on: 16th April 2021

Friendly and helpful

Has helped me improve my credit score Reviewed on: 16th April 2021

The best credit card

The best credit card and amazing customer service . I am very happy with the service and would totally recommend. Reviewed on: 16th April 2021

Great advise and control

Couldn’t fauilt if I tried. Reviewed on: 16th April 2021

Satisfied

Very good customer service my problem was sorted in minutes Reviewed on: 16th April 2021

Easy to set up and easy to contact

Lthough i have only been with Zopa a few months I find that there proactive help is very useful especially around credit scoring and account management. Its not message after message just well balanced enough that I do access their messages when they are set as I find that they are tailored to my account needs. Reviewed on: 16th April 2021

Great and easy

Easy to use app and easy access to the main site very helpful and professional Reviewed on: 16th April 2021

You don't have to be a big player to be the best

Zopa offers a unique brand of customer service. Reviewed on: 16th April 2021

User friendly app

Love everything just in one app, user friendly and nice customer service Reviewed on: 16th April 2021

Refreshingly innovative, easy, just plain brilliant!

I love Zopa. Fantastic, really accessible app that allows me to check my spending, status, make payments, all in seconds. I love the unstuffy, people-friendly tone and style of all zopa communications and access. My favourite bank by a country mile. You rock, Zopa!!!! Reviewed on: 16th April 2021

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