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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41947 reviews)

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4.93

Based on 41,947 reviews, last reviewed 20th Jan 2026

82250% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Zoopa helped me build my credit by giving me sma... Zoopa helped me build my credit by giving me small balance a very good interest rate and rewarding me by increasing limit with sensible use I wo... Read more Reviewed on: 20th January 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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.

Zopa Credit card reviews (41947)

Review of the Zopa, Credit card:

I’ve been using the Zopa credit card for a while now...

I’ve been using the Zopa credit card for a while now, and I must say, it has been a fantastic experience. The standout feature for me is the Zopa mobile app—it’s incredibly intuitive, allowing me to track spending, set payment reminders, and manage my card with ease. Everything is clear and well-organized, making financial management simple even for someone who isn’t tech-savvy. Another huge plus is the customer service. Whenever I’ve had a query, their team has been quick to respond and genuinely helpful, which isn’t always the case with credit card providers. The application process was also fast and hassle-free, with a quick decision and smooth onboarding. The interest rates and fees are competitive, and I love that Zopa offers real-time spending insights to help me stay on top of my finances. However, one area for improvement would be the ability to request credit limit increases, as this currently isn’t an option. Also, at the time of writing, Apple Pay and Google Pay aren’t supported, which would be a great addition for convenience. Overall, if you’re looking for a modern, app-based credit card with great customer support and easy financial tracking, Zopa is a solid choice. I’d highly recommend it to anyone who values a digital-first experience! Reviewed on: 26th March 2025

Excellent support, fast and efficient in all areas i...

Excellent support, fast and efficient in all areas if the service offered Reviewed on: 17th January 2026

Easy to use app, good communication from Zopa

Easy to use app, good communication from Zopa Reviewed on: 17th January 2026

I have excellent service very happy

I have excellent service very happy Reviewed on: 17th January 2026

Love love love it best lender out there

Love love love it best lender out there Reviewed on: 17th January 2026

The whole process is so easy and seamless.

The whole process is so easy and seamless. Reviewed on: 17th January 2026

Excellent contact.

Excellent contact. Always know where you stand with your account. Reviewed on: 17th January 2026

World class customer service

Easy to use and deal with, and world class customer service. Highly recommended. Zopa have always been by my side since day one and I value them highly. Reviewed on: 17th January 2026

Excellent app credit card and loans speedy

Excellent app credit card and loans all in one place ! Reviewed on: 17th January 2026

Easy to use application process and the app is very...

Easy to use application process and the app is very user friendly Reviewed on: 17th January 2026

Gave me a credit card when i was really struggling b...

Gave me a credit card when i was really struggling before christmas and saved my christmas Reviewed on: 17th January 2026

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