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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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
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

Fair, supportive, responsible, friendly lender.

The application was very straightforward. I was given a starter credit limit that was sensible and that I could definitely afford. Every time I use my card I am updated via my phone to let me know how I'm progressing. The app is very easy to use. I feel I am kept informed and in control of my finances. When other lenders rejected me, Zopa gave me a chance to regain my self esteem and improve my credit score. I felt trusted to regain some trust from a friendly professional lender. I also like the design of the credit card. It is easily located in my wallet because of its distinctive colour and logo. I would highly recommend Zopa to anyone who wants to regain control of their finances and the trust of a credit company. I like that I can repay as much as I like when I like towards my balance without any pressure to pay more than the minimum amount but with the facility to clear my balance if I can afford it. Some lenders constantly hassle you and are too ready to up your credit limit but not Zopa. They are definitely the most responsible and supportive lender I have come across. Reviewed on: 9th April 2024

Excellent, easy application and clear and consistent...

Excellent, easy application and clear and consistent communication. Reviewed on: 9th April 2024

From borrower to saver

Excellent service and reminders throughout. So good I decided to open a svings account with them once I had paid off my loan. Reviewed on: 9th April 2024

They are the best in terms of efficiency and profess...

They are the best in terms of efficiency and professionalism. Reviewed on: 9th April 2024

Painless easy application with a easy to navigate we...

Painless easy application with a easy to navigate website. Reviewed on: 9th April 2024

Great service advices customer service

Great service advices customer service Reviewed on: 9th April 2024

Great credit card

Contact ed them and was dealt quickly and efficiently Reviewed on: 9th April 2024

Amazing Zopa experience

My experience with Zopa has been wonderful. The app is easy to navigate and the card details are easy to access and secure at the same time. The sleek design makes it easy to carry around, and use daily. Reviewed on: 9th April 2024

Useful credit card for people with a poor or damaged...

Useful credit card for people with a poor or damaged credit history Reviewed on: 9th April 2024

Best credit card,i m verry happy with zopa

Best credit card,i m verry happy with zopa Reviewed on: 9th April 2024

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