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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)

Not to bad a company do what they need to...

Not to bad a company do what they need to do Reviewed on: 23rd April 2025

Very clear precise app and banking.

Very clear precise app and banking.NO hard sell and careful not to lend too much. Excellent service Reviewed on: 23rd April 2025

Very easy to use and always have messages to keep in...

Very easy to use and always have messages to keep in control of my finances Reviewed on: 23rd April 2025

I’ve been using the Zopa Credit Card for several mon...

I’ve been using the Zopa Credit Card for several months now, and I can confidently say it’s one of the best financial decisions I’ve made. From the smooth application process to the intuitive app features, Zopa has nailed the modern credit card experience. What stands out the most for me : • Real-time updates: I get instant notifications for every transaction, which keeps me in full control of my spending. • Flexible repayments: The app makes it super easy to manage my payments, set budgets, and even make extra payments when I want. No hidden tricks — everything is transparent. • Smart credit tools: I love the “Safety Net” feature and credit utilization tips — they’ve helped me improve my credit score while staying on top of my finances. • No foreign transaction fees: A huge plus for me as I travel a lot. Using the Zopa card abroad is hassle-free and cost-effective. Customer service has also been top-notch. Anytime I’ve had a question, responses were quick, clear, and helpful. Zopa feels like it was designed for real people who want control and clarity in their financial lives. If you’re looking for a card that’s reliable, tech-friendly, and fair , choose Zopa Reviewed on: 23rd April 2025

Great product

Easy to apply for, easy to keep track of spend with notifications. Good rates and opportunity to increase your limit Reviewed on: 23rd April 2025

Very good very nice good process good service wonder...

Very good very nice good process good service wonderful Reviewed on: 23rd April 2025

Nothing much am pleased and happy with the card

Nothing much am pleased and happy with the card Reviewed on: 23rd April 2025

Everything easy on app could not want a better app

Everything easy on app could not want a better app Reviewed on: 23rd April 2025

Affordable payments

Had no issues with this credit card, no problems or anything, I always pay on time also the monthly payments are always affordable! Reviewed on: 23rd April 2025

Needed help changing my payment date.

Needed help changing my payment date. Customer service was great and very helpful and was sorted straight away. Reviewed on: 23rd April 2025

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