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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)

Easy payments

Easy payments and statements on phonemak8ng it easier to stay upright date Reviewed on: 11th April 2023

Fast friendly and efficient

Simple app lets me check my statements, balances and a buffer zone is an amazing way to ensure I never go near my credit limit thus reducing the chance of extra charges Reviewed on: 11th April 2023

Great card to use.

I applied for a new credit card after building up my credit score. They have been very handy and after 6 months put my credit limit up to a better limit. That was still easy to look after. Would recommend Zopa every time. Reviewed on: 11th April 2023

Easy simple

Very good way service to use would recommend it Reviewed on: 11th April 2023

Amazing credit builder

Gives people the chance to build their credit rating with easy, affordable monthly repayments Reviewed on: 11th April 2023

Great service

Zopa I feel are a great modern financial company. They always inform of changes with products and services which is a bonus. Times have changed and I feel Zopa has changed with it which is great Reviewed on: 11th April 2023

Great card

An excellent card ! Very easy to use! Payments clear instantly. Reviewed on: 11th April 2023

Great

Zopa is a one of the wonderful experience is one of tge am using cards Great experience Thankfull to zopa Reviewed on: 11th April 2023

Fantastic product

No problems from start to finish in gaining this card. Sensible lending which is a bonus and I got a great deal too. Thank you. Reviewed on: 11th April 2023

Good service and very willing to help if needed, able to come to understanding and a good listening ear

Good customer service and willing to help were needed ,if I struggle with repayments they will come up with strategies to resolve the problem Reviewed on: 11th April 2023

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