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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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)

Great service, very easy to use via the App.

Great service, very easy to use via the App. Reviewed on: 15th January 2025

Great customer service.

Zopa have always provided great customer service and are a very responsible lender. On the rare occasion I have needed to contact them they provided excellent service and my query was explained and rectified quickly with little fuss. Reviewed on: 15th January 2025

Overall very good easy to use app clear communicatio...

Overall very good easy to use app clear communication nice company to do business with Reviewed on: 15th January 2025

Excellent card

Excellent Easy to use app. Quick and easy to repay different amounts. Reviewed on: 15th January 2025

Applying for card

Applying for card from start to finish was very easy . I did have 1 question but any confusion on my part was quickly cleared by customer services Reviewed on: 15th January 2025

Great company

My experience so far been great as zopa actually gave me the chance to give me a credit card. I was getting declined elsewhere so I’m very happy and now I’m building my credit rating. But after getting a credit card from zopa,it obviously left a positive impact on my credit report as I got another credit card elsewhere too! Reviewed on: 15th January 2025

Excellent and great

Just great information about the account Reviewed on: 15th January 2025

Easy application easy to join

Easy application easy to join them for query and and issue is sorted Reviewed on: 15th January 2025

Too many condition

You're not flexible,you have a different opinion Reviewed on: 15th January 2025

Highly Recommended

easy to apply quick service to receive card and app user friendly Reviewed on: 15th January 2025

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