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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 Zopa credit card has been a fantastic way to incr...

My Zopa credit card has been a fantastic way to increase my credit score. It's easy to manage and they're really fair in terms of limit increases. I've had no issues with Zopa so far. Just be careful if your credit card is set up to be paid automatically - the direct debit is set about 7 days in advance, so if you make a manual payment the direct debit amount won't adjust. They're quick to refund you any amount you've overpaid though and that's a pretty easy process to sort out as well. Reviewed on: 28th February 2025

Very helpful customer service very polite would high...

Very helpful customer service very polite would highly recommend to family and friends Reviewed on: 28th February 2025

Easy to use app found to be customer friendly.

Easy to use app found to be customer friendly.good experience and straightforward banking Reviewed on: 28th February 2025

Intuitive App.

Zopa is very clear on the products and services. The App is fluid and intuitive. Some of the features on the is awesome and unique. Reviewed on: 28th February 2025

Great seervice

Have always had good service whether dealing with the credit card by phone or email would recommend them to my friends and family it has always been a great company to deal with Reviewed on: 28th February 2025

Easy to use and clear information

Easy to use and clear information Reviewed on: 28th February 2025

The process and dealings are exceptional

The process and dealings are exemplary Reviewed on: 28th February 2025

Very helpfull easy to understand

Very helpfull easy to understand Reviewed on: 28th February 2025

Zopa credit card

I've always had a positive experience with zopa, definitely recommend to others Reviewed on: 28th February 2025

Great service and easy to use app

Experience has been great and I like how easy the app is to navigate Reviewed on: 28th February 2025

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