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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)

Very helpful and professional staff.

Very helpful and professional staff. Reviewed on: 26th April 2025

I believe that the best is all I need.

I believe that the best is all I need. Reviewed on: 26th April 2025

ZOPA is an excellent card and service received is ou...

ZOPA is an excellent card and service received is outstanding Reviewed on: 26th April 2025

Rebuilding credit rating, excellent card.

Rebuilding credit rating, excellent card. Manageable Reviewed on: 26th April 2025

Zopa very user friendly and great rates

I had a below average credit rating and struggled to get credit elsewhere without astronomical interest rates. Then along came Zopa with my credit card and later a loan. I have been able to do all the things I wanted and more. A nice holiday, home improvements and get in control again of my credit score and lower payments. Zopa have been fantastic for me. No phone calls, no letters, just everything I need all on my phone. Super duper Zopa. Reviewed on: 26th April 2025

Excellent customer service reasonable rates easy to...

Excellent customer service reasonable rates easy to use app Reviewed on: 26th April 2025

Zopa apps to easy to use, and card payment any merch...

Zopa apps to easy to use, and card payment any merchant easily I do it. Reviewed on: 26th April 2025

Easy access to your credit card

Easy access to your credit card management Reviewed on: 26th April 2025

Excellent communication and services

Excellent communication and services Reviewed on: 26th April 2025

Easy to deal with and just a pleasure to work with p...

Easy to deal with and just a pleasure to work with people who know what they are doing Reviewed on: 26th April 2025

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