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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

Easy to use the app, customer services always on han...

Easy to use the app, customer services always on hand if there's any issues. Clear next payment due dates and notifications. Reviewed on: 10th April 2024

Would benefit from a better app but overall positive!

I find the app to be a bit clunky and not as user friendly as some other providers, and also I am concerned about how much additional financial detail it wants from me, (which I have not done!) but overall the service offered has been on par or above with my other credit cards and has given financial flexibility. Reviewed on: 10th April 2024

Quick and responsive , and great simple app

Quick and responsive , and great simple app Reviewed on: 10th April 2024

Excellent company

Never any problems with zopa from first applying right through to Present always kept informed of any changes and such and a great easy to use app. Reviewed on: 10th April 2024

Good rate update Everything good

Good rate update Everything good Reviewed on: 10th April 2024

Zopa experience

Using my credit card, and then making the payments was very easy and everything went smoothly. I am very happy using Zopa! Strongly recommend! Reviewed on: 10th April 2024

I used card from last 2 month no complain at all , m...

I used card from last 2 month no complain at all , my friend suggest try zopa and i will go into website and apply and just 4 day go and i received my card and used its run every shop and all online payment its good for me thank zopa for this card Reviewed on: 10th April 2024

Zopa has provide me with a very friendly, helpful an...

Zopa has provide me with a very friendly, helpful and professional service. Being able to esaily access additional finance when required is great. Also, having use of a very good online app which enables a very easy way to repay and manage my Zopa card. Reviewed on: 10th April 2024

. excellent

. excellent , very helpful and always happy to give advice. Reviewed on: 10th April 2024

Always helpful

Always helpful, always there. Had no downfalls since last signing up and receiving the credit card. Would recommend to anyone I know or meet. Low appr decent money draw amount for me Reviewed on: 10th April 2024

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