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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)

Credit card

App very easy to use and understandable quick and accurate Reviewed on: 11th April 2023

Credit score

Through zopa I have Been given the opportunity to boost my credit score. I have received excellent interest rates in comparison to other lenders. I would recommend zopa to anybody looking to boost there credit score Reviewed on: 11th April 2023

Brilliant

Simple to use easy and just brilliant Reviewed on: 11th April 2023

Zopa credit card made a difference

When I was in search of a credit card as I was in a bad situation, very responsible company zopa did a search on me and believe that I would manage to make my payments on time. They are a life saver and well responsible lender . I have kept my payments on time for the last 2 years. Easy access to online banking too. Once I make an extra payment I can see it clear within 1 working day. Very happy to have zopa as they are a very responsible lender. Reviewed on: 11th April 2023

Excellent Customer Service

Communication is excellent! Always keeps updated with account, offers and ways to increase savings and credit score. Very impressed and have recommended to others. First class service. Reviewed on: 11th April 2023

Cosmic

It’s been out of this world the service that Zopa have given me Reviewed on: 11th April 2023

Zopa happy

I am super happy with the my credit card. Reviewed on: 11th April 2023

Best credit card by far!

Great app - useful features of buffer and email reminders about payments. Easy to use and simple can’t fault it! Reviewed on: 11th April 2023

User friendly

Excellent to use , very user friendly. Reviewed on: 11th April 2023

Quick and easy

Very prompt service from applying to receiving my card. The app is easy to use and takes away the need to use paper. Would definitely recommend to friends, colleagues and family. Reviewed on: 11th April 2023

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