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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've been using ZOPA for the past 2 years.

I've been using ZOPA for the past 2 years. No let down. Reviewed on: 9th April 2024

My debt survival

The 0% balance transfer was very handy for me to sort out my bills in critical time. It afforded me to break even in my debt management and also enhanced my credit rating which ultimately allowed me access for better loans. Reviewed on: 9th April 2024

Great service

Great service from day one, to present day nothing to much trouble Reviewed on: 9th April 2024

Spoke to them with problem not interested basically.

Spoke to them with problem not interested basically. Must try to clear my balance instead Reviewed on: 9th April 2024

Enjoyment

I enjoy the credit card experience with zopa Reviewed on: 9th April 2024

Very friendly service quick acceptance good starting...

Very friendly service quick acceptance good starting rate Reviewed on: 9th April 2024

My experience has been a positive one, from arrangin...

My experience has been a positive one, from arranging my loan to payments to suit me. Zopa always send notifications of help and support and reminders as to when payment is due. Zopa has helped me keep on track of my spending and utilising their app has been a massive help. This is really useful and easy to navigate around. Reviewed on: 9th April 2024

So easy to apply .

So easy to apply . App is excellent. Service is quick an efficeint . Reviewed on: 9th April 2024

Zopa customer service is good, I'm happy

Zopa customer service is good, I'm happy Reviewed on: 9th April 2024

Very good and quick service easy to use

Very good and quick service easy to use Reviewed on: 9th April 2024

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