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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)

The best company! highly recommend!!

Amazing terms and conditions! Easy to use! The best customer service! Reviewed on: 11th April 2023

Simple operation

No hassle, easy application with good back up service Reviewed on: 11th April 2023

Easy to use

Very easy to use. Contestant feedback which helps you manage your account easily. Reviewed on: 11th April 2023

Ace credit card used for six months low credit and advanced my credit and sor acec

Love this card was with three months and credit uplifted after coming out of iva Good Apr and ace card Reviewed on: 11th April 2023

Excellent service

This is my first credit card which was approved despite my poor credit history in the UK . It has been very helpful to build up my credit score and will continue using . Reviewed on: 11th April 2023

Great company, amazing customer service.

They made everything so simple when choosing my card and also advised everything so clear including apr and credit limits / increases. Fantastic company Reviewed on: 11th April 2023

Vote

Been great so far, helpful when I lost my card Reviewed on: 11th April 2023

Smooth and speedy service

Recently had to consolidate various debts and have been saved by Zopa. Thanks for your help. Highly recommended. Tom Reviewed on: 11th April 2023

Fanatics service

Quick and easy way to use app and very easy to understand. Reviewed on: 11th April 2023

Bad card

I’ve only had this credit card for 2 months and I’m already being charged every month for not clearing my balance in one go!! Surely the whole idea of having a credit card is it you can pay it back when you can not to pay it back all at once that was the whole idea of getting a credit card in the first place. Reviewed on: 11th April 2023

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