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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.

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)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Reviewed Zopa in the past and always exceed my expec...

Reviewed Zopa in the past and always exceed my expectations, excellent customer service, great rates and all round very good! Reviewed on: 23rd April 2025

Great card with a brilliant app.

Great card with a brilliant app. I love that I get instant notifications when I spend Reviewed on: 23rd April 2025

Fantastic card.

Fantastic card. Very easy ti use app have recommended it to over 20 people Reviewed on: 23rd April 2025

Great Customer Service,

Great Customer Service, no issues being a Zopa customer. Reviewed on: 23rd April 2025

Great credit building card

Easy to use app Great credit status updates/borrowing power etc Reviewed on: 23rd April 2025

All good and fast.

All good and fast. Meny options. Reviewed on: 23rd April 2025

excellent I got approved easily on my credit card

excellent I got approved easily on my credit card when other banks i have used are declining offering me a credit card Reviewed on: 23rd April 2025

Great customer support service.

Great customer support service. Easy to navigate app. Very clear information regarding payments additional payments, interest rate Reviewed on: 23rd April 2025

Great card and good service excellent customer service

Great card and good service excellent customer service Reviewed on: 23rd April 2025

You were the best until you decided to raise my inte...

You were the best until you decided to raise my interest rate. The fact that you're not pegging it with that of the Bank of England, makes no sense to me and is just so unfair. I've never missed a payment and you're charging me interest on what I owe, so why make life more difficult for me if you think I'm struggling? Reviewed on: 23rd April 2025

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