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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.

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

The best credit card.

The best credit card.Never have any issue Reviewed on: 15th January 2025

Good times

Great company easy to use very quick and easy site Reviewed on: 15th January 2025

Everything is okay Good

Everything is okay I got it with bad credit score I am happy Reviewed on: 15th January 2025

User Friendly App

Zopa are easy to contact, a great user friendly app with tips on how to improve your credit. Easy to view statements and options to make repayments Reviewed on: 15th January 2025

good service and easy to use im very happy with...

good service and easy to use im very happy with you Reviewed on: 15th January 2025

FIrst class staff always helpful

Treated me first class staff always helpful Reviewed on: 15th January 2025

Zopa is an easy to use card and any payments you mak...

Zopa is an easy to use card and any payments you make to settle your balance are credited immediately (subject to bank clearance). This is great rather waiting 2-3 days in the case of a lot of other cards. Reviewed on: 15th January 2025

So simple and easy

Once accepted I received the card in the post relatively quicky. I have been using the card on a regular basis each month with no hassles at all. On clearing the bill every month, I couldn't be happier as the card is paid and cleared within very short time frame, meaning I have no hold up on when I can use the card again. Overall I've been impressed with how easy and straight forward everything with zopa has been, from signing up to paying the bill every month Reviewed on: 15th January 2025

Quick and easy to use.

Quick and easy to use. The app is really convenient and easy to use Reviewed on: 15th January 2025

Zopa is great :)

Easy application process and a great banking app! Reviewed on: 15th January 2025

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