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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)

Excellent

Great deal and was so happy with xopa credit card and debit card as well Reviewed on: 28th February 2025

Great provider, excellent customer service,easy to u...

Great provider, excellent customer service,easy to use app, navigation of app is user friendly and easy to sort out banking Reviewed on: 28th February 2025

Been with Zopa for about 3 years now and honestly on...

Been with Zopa for about 3 years now and honestly one of the best credit cards I’ve used Reviewed on: 28th February 2025

Very good experience. Polite. And friendly

Very good very polite and friendly experienced in there job Reviewed on: 28th February 2025

Zopa has given me flexibility which helps me control...

Zopa has given me flexibility which helps me control my finances. Reviewed on: 28th February 2025

Have had no problems at all and would recommend it t...

Have had no problems at all and would recommend it to everyone Reviewed on: 28th February 2025

Very easy to use very easy to pay back on the app ap...

Very easy to use very easy to pay back on the app app easy to use and very good company for helping Reviewed on: 28th February 2025

Application process simple.

Application process simple. App easy to use. Reviewed on: 28th February 2025

The Good, Bad and Better of credit cards

Having had previous bad experiences with credit cards I was greatly reassured to easily make payments and keep track on my spending and the app is a fantastic tool to do this! Reviewed on: 28th February 2025

Zopa is like a breath of fresh air the whole experie...

Zopa is like a breath of fresh air the whole experience of dealing with them is fantastic, the App is really good importantly and very easy to understand what you are doing Reviewed on: 28th February 2025

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