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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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 (44347)

Credit score excellent service

I have been trying to improve my credit score and Zopa have helped me out with this. A great company. Reviewed on: 15th January 2025

Fast hassle free service.

Fast hassle free service. Easy to use app that keeps track of your expenses and monthly payments. Reviewed on: 15th January 2025

I like the way I am kept up to date with my spending...

I like the way I am kept up to date with my spending and there is lots of early information so nothing last minute this way it is easy to keep on top of things Reviewed on: 15th January 2025

Can’t fault it, brilliant service

Can’t fault it, brilliant service Reviewed on: 15th January 2025

Easy to use and great offers.

Easy to use and great offers. Worth recommending to friends and family Reviewed on: 15th January 2025

Brilliant service helped me get through tough times

Brilliant service helped me get through tough times Reviewed on: 15th January 2025

Informative

Informative and caring with a great deal of transparency. Reviewed on: 15th January 2025

Easy to use on the app.

Easy to use on the app. Customer service good Reviewed on: 15th January 2025

I have found Zopa to offer excellent value for money...

I have found Zopa to offer excellent value for money and service. They keep me informed and up to date on my account. Reviewed on: 15th January 2025

Easy application process

Very easy loan process and funds paid same day. I was able to repay early and got money refunded! Competitive rates too. Also have a credit card and again the application process was easy. Highly recommend. Reviewed on: 15th January 2025

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