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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

Regular emails, very good app ,very easy to pay stat...

Regular emails, very good app ,very easy to pay statement. Reviewed on: 9th April 2024

Best credit card provider around

Great customer service, easy to use app and human approach Reviewed on: 9th April 2024

Had a bad credit but with this card I've built my cr...

Had a bad credit but with this card I've built my credit Reviewed on: 9th April 2024

why choose any other card

dealing with Zopa is so easy any issues and it's sorted the credit card was issued and no issues Reviewed on: 9th April 2024

Easy access for all the App.

Easy access for all the App. Account manhement is great. You are not forced for credit increase but managed and monitored until able. Reviewed on: 9th April 2024

Credit card

Never thought I’d get a credit card and Zopa have given me a chance Reviewed on: 9th April 2024

Goody good

Good but they are changing with there rates not with bank of england I don’t know if that is a good thing Reviewed on: 9th April 2024

Highly recommend zopa for credit card

Easy to use app - conscience company to avoid people getting into too much debt - excellent to make foreign payments with no conversion fee - regularly updating card technology to make payments more secure - regular offers for other services available - trusted card - have had no issues using the card - random card checks monthly when pin had to be entered to verify the card payment. Reviewed on: 9th April 2024

Hi been with Zopa for a few months now with my credi...

Hi been with Zopa for a few months now with my credit card and they have flexible payments and very friendly customer service team always happy to help Reviewed on: 9th April 2024

I'm so Happy they trust me,in my poor credit score

I'm so Happy they trust me,in my poor credit score Reviewed on: 9th April 2024

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