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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

Excellent card,easy to get accepted and good rate of...

Excellent card,easy to get accepted and good rate of interest Reviewed on: 15th January 2025

Very easy app and payments update very quickly

Very easy app and payments update very quickly Reviewed on: 15th January 2025

My issues were dealt with easily and quickly, adviso...

My issues were dealt with easily and quickly, advisors were friendly and polite Reviewed on: 15th January 2025

Good value for money and good app

Good value for money and good app Reviewed on: 15th January 2025

Dont not use - trapped as cant transfer my balance

Dont not use...it is impossible to transfer balance from Zopa to another card provider. You are trapped with them due to how they have there system set up. Its non UK compliant Reviewed on: 26th October 2024

Zopa is a great company.

Zopa is a great company. They look after their customers. I enjoy paying them as they are a fantastic credit provider Reviewed on: 23rd September 2024

good very nice good not change

good not changing goid verry good Reviewed on: 18th September 2024

Bought a car wasent happy with condition and when I...

Bought a car wasent happy with condition and when I trying to return car was delayed and basically told I have to have car in the condition I sent photos and evidence of my complaint got treating messages about my credit file being effected did return car to garage for before my first payment was due so had no car and still ended up having to pay my finance after Reviewed on: 6th September 2024

Zopa,Responsible lender

I started my journey with Zopa with a £200 card limit, I used and kept on top of my balance for around 12 months until I was offered a modest increase, I could now borrow upto £600 pound which means a great deal of flexibility for me, finally last year my limit was increased to £1300 pounds which is brilliant peace of my in these uncertain economic times. Reviewed on: 3rd September 2024

Fair limits and easy to use.

I’ve had my Zopa card for around 2 years now and they’ve been great at helping me rebuild my credit. They gave me a fair initial limit and have increased it several times once I had shown I was able to manage my account well. There are some great features, such as a “credit cushion” allowing you to lock away part of your credit limit for emergencies. The app offers lots of info on how you can improve your credit and shows when you’re eligible to apply for other products. It also offers foreign exchange fees which makes it great for travel. Reviewed on: 22nd July 2024

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