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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

Up front no hidden charges dose what it says on...

Up front no hidden charges dose what it says on the tin Reviewed on: 9th April 2024

Very impressive.

Very impressive. Easy to use and excellent service. Reviewed on: 9th April 2024

Great card, for bad credit.

Great card, for bad credit............ Reviewed on: 9th April 2024

Great Service

Good, when I have had to contact them always helpful. Reviewed on: 9th April 2024

Perfect all rounder

Zopa has a great app that's easy to follow their credit card is secure and safe the credit limit is fantastic and they offer increases that suit the customers and customer services are beyond excellent I love this company I can make payments as and when I want and never had a late payment fee because of this ability to make extra payments when I want perfect all rounders for me Reviewed on: 9th April 2024

Communication is excellent with Zopa.

Communication is excellent with Zopa. Always meet my requirements. Reviewed on: 9th April 2024

Statements are clear making it easy to track my spen...

Statements are clear making it easy to track my spending not paid much interest as I've been clearing my balance and my credit limit has been increased sensibly so that I don't get into trouble as we all like to spend a bit more than we have Reviewed on: 9th April 2024

Great Customer Support,

Great Customer Support, plain English terms and conditions Reviewed on: 9th April 2024

Very easy to use and a good company to communicate w...

Very easy to use and a good company to communicate with! Reviewed on: 9th April 2024

Easy to set up also can have your card in google pay.

Easy to set up also can have your card in google pay. Reviewed on: 9th April 2024

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