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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)

Effective and efficient

They have been very efficient with providing the card and its operation and statement service Reviewed on: 15th January 2025

Very good experience.

Very good experience. Customer Services is great. This app is easy to use. Reviewed on: 15th January 2025

easy to navigate and user friendly

easy to navigate and user friendly Reviewed on: 15th January 2025

Never had any issues working with them.

Never had any issues working with them. Nice and easy to use Reviewed on: 15th January 2025

Quick & easy to open and set up with app

Quick & easy to open and set up with app Reviewed on: 15th January 2025

Good communication from zopa, and the ability to inc...

Good communication from zopa, and the ability to increase/decrease the credit cushion is a great tool Reviewed on: 15th January 2025

Great and convenient plus a brilliant customer service

Great and convenient plus a brilliant customer service Reviewed on: 15th January 2025

I like having my card and the repayments are low...

I like having my card and the repayments are low Reviewed on: 15th January 2025

FINE CARD CHOICE

Secure, reliable, card. No higher rating possible as yet no detractions have been encountered. Worthy of acknowledgement as a card that fulfills the necessary criteria to be recommended Reviewed on: 15th January 2025

Very smooth and transparent transaction.

Very smooth and transparent transaction. Everything well explained and I feel as if I’m in control of my finances again Reviewed on: 15th January 2025

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