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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 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

Good and easy app no surprise costs

Good and easy app no surprise costs Reviewed on: 22nd April 2025

Amazing customer service

Excellent customer service. Extremely helpful and polite. Card is easy to use and the app is very informative Reviewed on: 22nd April 2025

My zopa account is the best ever

I have never had problems at all ever with zopa Reviewed on: 22nd April 2025

A service better than any other provider - by far!!

Zopa from the very beginning has been an excellent service! I have a credit card and a loan from them and my experience in both cases, has been smooth sailing and highly professional. They regularly review my account and see I am keeping up with all payments each month, and in return, I receive exceptional offers from them. I have not received this kind of service from any other provider and I will continue to stay a loyal customer with Zopa. Thank you for providing such an amazing service where I feel supported and appreciated. Reviewed on: 22nd April 2025

I do not have an issue.

I do not have an issue. It is very good because they'll let you know your next payment in few days before. Reviewed on: 22nd April 2025

I have been with Zopa for a while and I have had the...

I have been with Zopa for a while and I have had the best experience with their services. Reviewed on: 22nd April 2025

Good Credit Card

Fast decision making, clear communication on interest and how this is applied Reviewed on: 22nd April 2025

Not sure how good

Not sure how good it is as I have only used the credit card so far Reviewed on: 22nd April 2025

Convenient and easy to access when purchasing online

Convenient and easy to access when purchasing online Reviewed on: 22nd April 2025

Credit card application process was easy and payment...

Credit card application process was easy and payments are taken by direct debit which takes the hassle out of remembering to pay on time. Reviewed on: 22nd April 2025

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