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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)

Very clear and user friendly Zopa banking app.

Very clear and user friendly Zopa banking app. Haven’t had to use customer service yet but the process of applying and managing the card all very easy online. Reviewed on: 28th February 2025

Swadlincote user

The app is incredible so easy to use it updates payments straight away I would recommend to everyone I even recommend my partner who now has one too Reviewed on: 28th February 2025

I’ve never had a problem with Zopa the service has a...

I’ve never had a problem with Zopa the service has always been good they are easy to talk to and always friendly people I can not fault them whatsoever Reviewed on: 28th February 2025

Joining was easy, good rate, Secure with service.

Joining was easy, good rate, Secure with service. I like the fact that when in a different country you have to use pin when using the card just to make sure thie the owner using it. Reviewed on: 28th February 2025

I am quite happy with the service you provide.

I am quite happy with the service you provide. Reviewed on: 28th February 2025

Easy to Use

Easy to use, easy to maintain and easy to understand what is shown in the App. Reviewed on: 28th February 2025

My time with Zopa credit card services has been 100...

My time with Zopa credit card services has been 100 percent good , never had any issues at all very explantry and easy to understand and the services always provide necessary information to benefit its customers both finaniancely and customer care definitely would recommend Zopa services both to friends and family with full confidence lastley keep up the good service you provide. Kind regards Reviewed on: 28th February 2025

Raise interest inline with BoE but not reduced in line

Not really had much to do with customer service however as soon as bank of England rose interest rates zopa did, but not when they reduced, customer service couldn't help Reviewed on: 28th February 2025

Great experience with Zopa through credit card and a...

Great experience with Zopa through credit card and a loan. Everything has been straightforward and simple to use. Great app which gets everything in one place and the communications has been top notch throughout my use. Reviewed on: 28th February 2025

Very easy to deal with, great apr and great customer...

Very easy to deal with, great apr and great customer service Reviewed on: 28th February 2025

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