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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

very good service providers, I'm glad I found them

very good service providers, I'm glad I found them Reviewed on: 5th March 2024

A really professional, friendly & easy company to wo...

A really professional, friendly & easy company to work with. Communication is second to none Reviewed on: 5th March 2024

Good credit line for me and repayments are affordabl...

Good credit line for me and repayments are affordable for me. Also communication is very good as well. Reviewed on: 5th March 2024

Easy to use

In the time I have had a Zopa credit card I have had ease of use and when paying off my balance I like that the funds clear almost immediately. Reviewed on: 5th March 2024

Zopa has given the opportunity to rebuild my credit...

Zopa has given the opportunity to rebuild my credit and the advice that they offer is invaluable. Reviewed on: 5th March 2024

Really easy transaction and process

Really easy transaction and process Reviewed on: 5th March 2024

From the moment I applied to quickly recieving card...

From the moment I applied to quickly recieving card and PIN wonderful experience. Can log on to account 24/7 always in the know if card been used with update sent to phone thank you. Reviewed on: 5th March 2024

In my opinion, I think Zopa's customer service is br...

In my opinion, I think Zopa's customer service is brilliant and efficient and also I think they are more likely to consider and approve people including credit increase when due, kudos to ZOPA Reviewed on: 5th March 2024

Never had to call but the app is wasy

Never had to call but the app is wasy Reviewed on: 5th March 2024

Quick fast and easy process, easily contactable, alw...

Quick fast and easy process, easily contactable, always been a very professional company to deal with. Would recommend this company Reviewed on: 5th March 2024

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