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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.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Very Easy to deal with! 5* Service!!

Very Easy to deal with! Online App is great for managing my account!! Would highly recommend!! Reviewed on: 6th February 2024

Cosmin Luca

They are very organised and professional and my application was quick Reviewed on: 6th February 2024

Really good for helping my credit score

Really good for helping my credit score Reviewed on: 30th January 2024

The customer service is absolutely rubbish.

The customer service is absolutely rubbish. They have a live chat/messaging service with advisors that make false promises and are limited to help you. Overall the service isn’t greT to be hi say and their complaints policy also does not work. Reviewed on: 30th January 2024

Have helped me to begin to improve my credit rating...

Have helped me to begin to improve my credit rating when other providers were not able to Reviewed on: 30th January 2024

Nice friendly staff easy to use site

Nice friendly staff easy to use site Reviewed on: 29th January 2024

Never had a problem with zopa great card highly reco...

Never had a problem with zopa great card highly recommend Reviewed on: 28th January 2024

I am vary happy to have Zopa Credit card, easy to us...

I am vary happy to have Zopa Credit card, easy to use and easy to manage my account through mobile app Reviewed on: 25th January 2024

Zopa helping Barry

Zopa gave me a chance to have a credit card and helped me get the things i needed. Reviewed on: 25th January 2024

Seems to a very well run company

Seems to a very well run company Reviewed on: 24th January 2024

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