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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

Clear fair credit limit

Clear fair credit limit and support always available Reviewed on: 14th June 2024

Zopa is helping me build my credit score

Zopa is helping me build my credit score Reviewed on: 11th June 2024

Great credit card

Had a zopa credit card for few years a d it's really helping improve my credit rating. Also give you free credit check each month to keep track. Reviewed on: 8th June 2024

Excellent C.Card Service

An excellent, quick and easy to use facilities and very quick decision making Reviewed on: 3rd June 2024

Highly rate Zopa

Zopa are excellent to deal with, their products are easy to access and rates are fantastic. The app is easy to use and you can also track spending and other accounts with them. Reviewed on: 28th May 2024

My card was bloked and whit one phone call was sorte...

My card was bloked and whit one phone call was sorted out. Reviewed on: 27th May 2024

Avoid Zopa

Direct debit set up but Zopa will ignore it, try to take payment earlier then agreed direct debit date. You contact Zopa and you are being assured it was a mistake and money will be take at direct debit set up date without receiving missed payment fee. Guess what? Missed payment fee allocated to your account and notice of default left on your account. Reviewed on: 27th May 2024

Excellent customer service.

Excellent customer service. They are available 24hrs even when you are abroad. Reviewed on: 27th May 2024

Easy and user friendly, very welcome

Easy and user friendly, very welcome addition to my financial stability Reviewed on: 24th May 2024

The bank makes the whole process seemless

The bank makes the whole process seemless Reviewed on: 24th May 2024

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