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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)

Customer service

Customer service is very good and helpful in dealing with my queries. Reviewed on: 18th January 2025

Great experience.

Great experience. Easy and straightforward application process. Was able to check if I would be accepted before making the full application without impact on my credit score. The app is great with everything you need in one place. Reviewed on: 18th January 2025

Best service and good response Best service

Best service and good response , I have confidence with Zopa credit card in future have biggest credit company in the current market. Reviewed on: 18th January 2025

You gave me a chance with a credit card when no one...

You gave me a chance with a credit card when no one else would am forever grateful to this company I learned to control my spending Reviewed on: 18th January 2025

Zopa? NO BRAINER!

Without a doubt the best credit card I've ever owned. Reviewed on: 18th January 2025

Very straight forward application .

Very straight forward application . Card arrived as when said it would . Very easy to set up and manage on your phone . Great experience all round . Thank you Zopa Reviewed on: 18th January 2025

Very easy to understand .

Very easy to understand . No hidden surprises. Good communication Reviewed on: 18th January 2025

Zopa are great.

Zopa are great. They are value for money and offer good interest rates. Their customer service is good too. Reviewed on: 18th January 2025

Very good customer service and support will recommen...

Very good customer service and support will recommend to anyone looking to take out a new credit card Reviewed on: 18th January 2025

Very good at communicating with there customers

Very good at communicating with there customers Reviewed on: 18th January 2025

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