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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)

Great Choice for Me

Zopa has been a great choice of card for me. Interest rates are fair for my credit rating and their App is so easy to use with lots of optional additional features. Reviewed on: 15th January 2025

Easy application a very good card to build your cred...

Easy application a very good card to build your credit rating. Reviewed on: 15th January 2025

Friend and customer centric communication

Friend and customer centric communication Reviewed on: 15th January 2025

Great Credit Card

Easy application, easy accessibility to online services and great customer services Reviewed on: 15th January 2025

Very easy to deal with and always keeping you updated

Very easy to deal with and always keeping you updated Reviewed on: 15th January 2025

Everything with Zopa has been exemplary

Everything with Zopa has been exemplary Reviewed on: 15th January 2025

Smooth application.

Application was nice and smooth.apart from royal mail delays all went well been using my card with no issues. Reviewed on: 15th January 2025

Easy application and very fair with excellent custom...

Easy application and very fair with excellent customer service Reviewed on: 15th January 2025

Fantastic experience.

Zopa has been an incredible experience for me. Despite having poor credit, they’ve helped me build my credit score and manage my finances more effectively. The customer service during the joining and account setup process was impeccable. I highly recommend Zopa to anyone looking for a reliable and user-friendly financial service. Reviewed on: 15th January 2025

Suoerb Customer Services

I don't have many words to say but just to give the men and women who work in the customer services a big round of appaulse for the excellent speed in which they respond to queries. Reviewed on: 15th January 2025

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