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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)

Fantastic

Really good easy to apply straight forward company and treat you as a person not a number in the system Reviewed on: 17th March 2021

Excellent service throughout

Excellent service throughout, easy to use app and great customer support Reviewed on: 17th March 2021

Easy to navigate

Easy to access on the app which at times for some its hard to navigate but the zopa app is simple and easy to manage your spending Reviewed on: 17th March 2021

Fast reliable service, easy to access

Around Christmas time I needed some extra cash and this service was perfect to help me out at that time Reviewed on: 17th March 2021

Amazing

Quick and effective service. Up to date notifications to manage your spending and help to build your credit rating. Super helpful customer service team Reviewed on: 17th March 2021

Easy and Fast

Very easy to apply , very easy to use , when make a payment ( top up ) you can see the maney immediately in your account , the most of others credit cards takes 2,3,4 working days. Reviewed on: 17th March 2021

easy to use

easiest credit card iv ever had Reviewed on: 17th March 2021

Easy use

Good simple clear app to use, easy set up and activation Reviewed on: 17th March 2021

Zopa is a great credit card to improve your credit rating

Excellent response when you use your card, I.e let's you know how much you have spent and keep you informed about your balance. Couldn't ask for much more Reviewed on: 17th March 2021

The best!

Fast payment, friendly customer service. Fast transaction overall. Top Chat advisers! Reviewed on: 17th March 2021

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