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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 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)

Exceptionally good experience, excellent Bank!

I have had an exceptionally good experience being a ZOPA customer. From start of applying to receiving to using their excellent app, I have been so very impressed. The app is so easy to use, service is second to none and a delight to know with every action it is followed up by an email confirming details so I know exactly what is happening to my account. Payments are easy, and it's the only app I have where payments go through straight away and show on my account as paid and the balance is right up to date almost immediately. It's excellent! 100% thankful I am with ZOPA!! Reviewed on: 10th January 2024

Happy with Zopa credit cards good rate to pay good c...

Happy with Zopa credit cards good rate to pay good customer service very helpful Reviewed on: 10th January 2024

Excellent tony

Excellent service and customer service Reviewed on: 10th January 2024

it's the best card in the uk.

it's the best card in the uk.everything is good Reviewed on: 10th January 2024

Responsible lenders and always give tips and advice...

Responsible lenders and always give tips and advice on how to improve your credit and borrowing Reviewed on: 10th January 2024

Great to experience and will recommend to others

Great to experience and will recommend to others Reviewed on: 10th January 2024

Excellent Company,there for all its members.

Excellent Company,there for all its members.. Reviewed on: 10th January 2024

It actually helps me even on the app I can find all...

It actually helps me even on the app I can find all information on the app and its nice for them to send me emails regarding every thing they are doing Reviewed on: 10th January 2024

Always extremely helpful, transparent and professional

Always extremely helpful, transparent and professional Reviewed on: 10th January 2024

I am using zopa credit card and no complaint

I am using zopa credit card and no complaint Reviewed on: 10th January 2024

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