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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Card holder 3920, swift response on your application, your queries and correspondence are looked into when dealing with zopa customer care team, the online chat are responded to very quickly, the online chat conversation is emailed to you.

My experience dealing with Zopa has been great, I’ve not had any problems since becoming a customer of Zopa, and I had a wonderful experience with one of their customer care representative a few weeks ago, so overall BRILLIANT. Reviewed on: 18th March 2021

Good card

Keep me well informed like how my payments are instant and I receive updates instantly good sevice Reviewed on: 18th March 2021

Good deal

A good card for anyone to have easy to apply for. Reviewed on: 18th March 2021

Great company, amazing experience

Very easy to use! Reasonable credit limits easy to stay on the track Reviewed on: 18th March 2021

The future of credit cards.

Payments show up within minutes, easy to use app, get pin from app, no foreign fees. I love this card! Reviewed on: 18th March 2021

Reliability

Website good, service excellent Reviewed on: 18th March 2021

Brilliant service

Very easy to apply, friendly efficient staff Reviewed on: 18th March 2021

Making credit easy

A great app and easy to use. Flexible credit at your fingertips. Reviewed on: 18th March 2021

Excellent service

Quick easy application. Easy application to use. Clear information. Straight forward to download app. Reviewed on: 18th March 2021

Easy to apply and good customer service

When applying It was easy. I have bad credit and Zopa accepted me. I use the app to check my balance and make payments which is easy and to keep on top of spending. Reviewed on: 18th March 2021

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