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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

My experience has been excellent because of the co...

My experience has been excellent because of the consistently prompt customer service and fast resolution of my inquiries. The representatives were knowledgeable and empowered to solve problems without transferring me multiple times. I particularly appreciate the transparent fee structure, competitive rewards program, and the user-friendly mobile app that makes tracking my spending and payments effortless. The fraud protection has also been outstanding, with immediate notifications about suspicious activity and seamless card replacement when needed." Reviewed on: 28th February 2025

It just works.

It just works. Have to use Pin a lot more often then other cards Reviewed on: 28th February 2025

It’s was very good and easy to use really happy with...

It’s was very good and easy to use really happy with this Reviewed on: 28th February 2025

Very helpful, and staff I’ve spoke to where very nice

Very helpful, and staff I’ve spoke to where very nice Reviewed on: 28th February 2025

Great Communication and clear .

Great Communication and clear . They have given me a chance to sort my credit rating which to me is priceless Reviewed on: 28th February 2025

Great service and good value card with benefits, eas...

Great service and good value card with benefits, easy application Reviewed on: 28th February 2025

Had great experience, helpful for people who are in...

Had great experience, helpful for people who are in need. Reviewed on: 28th February 2025

I have been used and I had a good experience...

I have been used and I had a good experience Reviewed on: 28th February 2025

when on holiday

All okay and very good service when on holiday Reviewed on: 28th February 2025

Reliable card, easy to manage, excellent app

Reliable card, easy to manage, excellent app Reviewed on: 28th February 2025

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