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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)

Transparent and easy to understand, rates are excell...

Transparent and easy to understand, rates are excellent Reviewed on: 24th April 2025

Truly Impressive!

I’ve been using the Zopa credit card for a few months now, and it’s easily one of the best financial decisions I’ve made. The application process was quick and straightforward, with clear communication at every step. I was approved within minutes and had full access to my account through their intuitive app right away. What I really love about the Zopa credit card is the smart features—real-time notifications, flexible repayment options, and tools that help manage spending and improve your credit score. The app is sleek and easy to navigate, making it simple to keep track of balances, payments, and rewards. Their customer service deserves a special mention. Any time I’ve had a question, the team has been fast, friendly, and helpful. With no hidden fees and great transparency, Zopa sets a high standard. I highly recommend their credit card to anyone looking for a modern, reliable, and user-focused experience. Reviewed on: 24th April 2025

Simple to use

Easy to use and manage online. Keeps balance updated gives credit score and notifies when eligible for balance increases Reviewed on: 24th April 2025

Very good experience so far.

Very good experience so far.It came on time and when I need it. Reviewed on: 24th April 2025

Very good customer service and I’ll highly recommend

Very good customer service and I’ll highly recommend Reviewed on: 24th April 2025

I like having my card incase of emergency and I feel...

I like having my card incase of emergency and I feel I have something to fall to when am away traveling Reviewed on: 24th April 2025

Easy to use app, great to build credit score,

Easy to use app, great to build credit score, Reviewed on: 24th April 2025

Really responsible lenders and good interest rates

Really responsible lenders and good interest rates Reviewed on: 24th April 2025

Very Helpful

Good to use and easy to use and good service and very helpful Reviewed on: 24th April 2025

Since I’ve had my account Zopa have been understandi...

Since I’ve had my account Zopa have been understanding and excellent service Reviewed on: 24th April 2025

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