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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)

Best credit card

I am very pleased with Zopa credit card they helped me determine which credit card would be best for me and now I will be recommending it to friends and family. Reviewed on: 23rd January 2024

Straight forward to use application was easy and ans...

Straight forward to use application was easy and answer was immediately Reviewed on: 23rd January 2024

Easy to use and set up, never a problem, very...

Easy to use and set up, never a problem, very helpful Reviewed on: 23rd January 2024

ZOPA CREDIT CARD

I have no issues with Zopa credit card. Paying back is affordable and easy compared to other companies. I vote Zopa all the way Reviewed on: 23rd January 2024

Great company brilliant customer service

Great company brilliant customer service Reviewed on: 23rd January 2024

Excellent value and service, responsive and conveni...

Excellent value and service, responsive and convenient. Reviewed on: 23rd January 2024

Great credit card

Zopa have helped me manage my money , the range of products are outstanding all in one easy app with tips to help you on your way . Reviewed on: 23rd January 2024

Excellent provider, good customer service,good value...

Excellent provider, good customer service,good value of money Reviewed on: 23rd January 2024

Easy to setup and even easier to manage via their app.

Easy to setup and even easier to manage via their app. Sensible approach to credit and lending which takes you into account rather than just a credit score number. Reviewed on: 22nd January 2024

helping hand when needed

ZOPA a good bank to be with i have a credit card with them and find it fair but stay in control and you will be fine. Reviewed on: 22nd January 2024

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