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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

I have had know issues and am very happy with...

I have had know issues and am very happy with Zopa Reviewed on: 11th April 2024

Great easy to apply.

Great easy to apply. Regular updates on my account Reviewed on: 11th April 2024

Helpful keeps you updated app is easy to navigate

Helpful keeps you updated app is easy to navigate Reviewed on: 11th April 2024

Life Changing

My credit rating was poor, but gradually I got thing bag on track. Then I applied for a Zopa credit card. I was successful and am truly delighted I did. The Zopa credit card was the perfect product for me. With the Zopa app I get up to date notifications in seconds every time I used my card. It also gives you the option to have a credit cushion. For me I chose £200 out of my credit limit of £1,000. This ment I would never go over my limit as Zopa told me when I was close to my cushion. Overall it gat my credit score back on track. I would have no hesitation recommending Zopa to anyone. 10/10 Reviewed on: 11th April 2024

Good services and nice customer service

Good services and nice customer service Reviewed on: 10th April 2024

Easy to use do it all online keeps you updated on ba...

Easy to use do it all online keeps you updated on balance always lets you know if you want or can have increase in your credit and then it’s up to you. It’s easy to apply for,I’ve never had the need to speak to someone but it’s there if you do Reviewed on: 10th April 2024

Very easy to understand and use app

Very easy to understand and use app Reviewed on: 10th April 2024

Good experience, happy with the product.

Good experience, happy with the product. Reviewed on: 10th April 2024

easy to use, very easy to contact and sort out...

easy to use, very easy to contact and sort out isses Reviewed on: 10th April 2024

Regular credit updates, tracking your score...

An easy to use App, with weekly updates on your credit standing as well as the opportunity to unlock other offers, offering advice to assist with your journey. Reviewed on: 10th April 2024

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