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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)

Recommend

User friendly and efficient application, fast results and great service. Reviewed on: 10th January 2024

Easy to apply and fast creating my account .

Easy to apply and fast creating my account. Good service Reviewed on: 10th January 2024

Zopa credit card give me peace of mind regarding int...

Zopa credit card give me peace of mind regarding intrest.and how i pay Reviewed on: 10th January 2024

Excellent

This is is a very good credit card. The best thing about is the customer service. It is excellent. Reviewed on: 10th January 2024

Great customer service

Had the credit card along with loans and always been good customer service when needed Reviewed on: 10th January 2024

So far it has been really great.

So far it has been really great. Customer services when i have needed help hace solved my queries straught away Reviewed on: 10th January 2024

Excellent service always helpful

Excellent service always helpful Reviewed on: 10th January 2024

Excellent for new users!

Im new to Zopa and so far i have a good experience ,they’re very easy to reach and help if you have an issue i strongly recommend. Im new in the UK and they are the first company who accepted my credit card application. Reviewed on: 10th January 2024

So easy so simple and very good rates

So easy so simple and very good rates Reviewed on: 10th January 2024

Zopa credit card

Great company, very helpful and fair . Gives people with poor credit a chance to boost their credit score Makes it very easy and clear about their services Reviewed on: 10th January 2024

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