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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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Never a problem smooth as silk company

Never a problem smooth as silk company Reviewed on: 28th February 2025

Very easy to apply and have also took out a loan wit...

Very easy to apply and have also took out a loan with a dimple process Reviewed on: 28th February 2025

My credit hasn’t always been great but Zopa gave me...

My credit hasn’t always been great but Zopa gave me a chance and thanks to them its getting better I’m glad I have Zopa Reviewed on: 28th February 2025

The app is easy to use.

The app is easy to use. Zopa is really good as it gives you the opportunity to open a bank account and save whilst exercising careful spending Reviewed on: 28th February 2025

Quick to assist with help or queries and always frie...

Quick to assist with help or queries and always friendly. Great availability and quick to respond. Reviewed on: 28th February 2025

Excellent service never any issues

Excellent service never any issues Reviewed on: 28th February 2025

Excellent customer services with good understanding,...

Excellent customer services with good understanding,Providing services to me at all times.They are there for me when in desperate needs. I will recommend Zopa to all my friends. Reviewed on: 28th February 2025

The Perfect Credit Card Experience!

As a customer of the Zopa credit card, my experience has been smooth and hassle-free. The application process was straightforward, and approval was quick. The app is user-friendly, allowing easy tracking of spending, payments, and credit limits. Their customer support is responsive and helpful. The interest rates are competitive, and the lack of hidden fees is a big plus. Overall, a reliable and modern credit card option with great digital banking features. Reviewed on: 28th February 2025

Zopa credit card excellent

Zoo is very easy to use very helpful staff payments made easy credit limit ideal for my situation. Reviewed on: 28th February 2025

Just amazing, the interest rate is super affordable...

Just amazing, the interest rate is super affordable and it's so easy to communicate with the company Reviewed on: 28th February 2025

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