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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)

Sublime

Amazing service. Easy to apply, easy to get in touch with customer service and they help all your needs. Looking to increase my balance soon which they have notifications for. Amazing 5* Reviewed on: 11th April 2023

Brilliant

Absolutely brilliant cannot fault at all Reviewed on: 11th April 2023

Ex lent

Best card & I will recommend for any one Reviewed on: 11th April 2023

Best one found

Best card company found, quick and easy to use Reviewed on: 11th April 2023

Excellent service

Changed to Zopa eighteen months ago. Really like that your payment clears the balance there and then, not in a couple of days or so. Also like the acknowledgment receipt with every payment via email Reviewed on: 11th April 2023

Safe loaning.

Very good starter credit card to help build score and to help train your spending. Reviewed on: 11th April 2023

User friendly application process.

From application to the delivery of my card, the process was very seamless. Reviewed on: 11th April 2023

Great rates, and serious about helping others

I have been with Zopa for 2 years now. I am a student with a disability. My Zopa credit card comes in handy for the times when I am running low on cash. I have also used my Zopa card abroad. Great rates, great customer service, Zopa is super! Reviewed on: 11th April 2023

Fantastic company

Brilliant company fantastic app would highly recommend Reviewed on: 11th April 2023

Great!

Texts & emails informing of status. App easy to use & very straight forward to follow. I know what payments are due & by when unlike some other credit card providers where I feel I need a degree to work the statement out!!! Reviewed on: 11th April 2023

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