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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)

Excellent service and good customer support

Excellent service and good customer support Reviewed on: 23rd April 2025

Brilliant company to deal with

Very professional and so easy to connect and understand all financial details. Customer service is excellent. Would always recommend any one to review all products available Reviewed on: 23rd April 2025

The app is very helpful to track transactions and cu...

The app is very helpful to track transactions and customer service is great. They keep me updated about all products and my financial situation. Reviewed on: 23rd April 2025

Reliable, Supportive and Professional

Reliable, Supportive and Professional Reviewed on: 23rd April 2025

Being with Zopa

I’ve been with Zopa awhile now and yeah very happy customer. Reviewed on: 23rd April 2025

Zopa is a useful source of credit whose security is...

Zopa is a useful source of credit whose security is assured. The app is easy to work. The 'credit cushion' feature is absolutely fantastic as it allows you to reserve a cash pot for emergencies. I've not had to use their customer services very much but it is a well run service overall and I would highly recommend it for those trying to improve credit store and manage a credit card effectively! Thank you Zopa xx Reviewed on: 23rd April 2025

Very lovely and easy to access best customer

Very lovely and easy to access best customer Reviewed on: 23rd April 2025

A very good credit card (low interest rate)

A very good credit card (low interest rate) Reviewed on: 23rd April 2025

Spending with Zopa is great the credit cushion optio...

Spending with Zopa is great the credit cushion option helps me control my limits Reviewed on: 23rd April 2025

No problems.

No problems. Rung customer service once and excellent service. Good app Reviewed on: 23rd April 2025

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