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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 had any issues.

Never had any issues. Happy to recommend Reviewed on: 17th January 2025

Never had any problems best finance services I’ve us...

Never had any problems best finance services I’ve used . Excellent service thank you Zopa keep up the good work Reviewed on: 17th January 2025

Excellent company

I didn’t have the best credit but Zopa gave me a chance to help me build it back up Reviewed on: 17th January 2025

The interest rate is very good.

The interest rate is very good.It can be used outside the UK and the exchange rate is also excellent Reviewed on: 17th January 2025

That a good credit card the interest is not very hig...

That a good credit card the interest is not very high and they increase me limit quite significantly Reviewed on: 17th January 2025

Excellent product supported by real people at custom...

Excellent product supported by real people at customer service .they listen and learn Reviewed on: 17th January 2025

Great online bank easy to use app I’ve been with Zop...

Great online bank easy to use app I’ve been with Zopa over 12 months and it’s a 10/10 from Kev Reviewed on: 17th January 2025

Always giving you credit increases 2 times a year

Always giving you credit increases 2 times a year Reviewed on: 17th January 2025

Very clear communication on offers

Very clear communication on offers Reviewed on: 17th January 2025

I like the simplicity and the app is straight forward.

I like the simplicity and the app is straight forward. Reviewed on: 17th January 2025

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