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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)

Its alright

Good enough for people who needs their credit score building Reviewed on: 11th April 2023

ZOPA - Excellence

To date our experience with Zopa has been one of the best we ever had with a Credit Card company! Excellent service, always clear and helpful assistance, safe feeling that one's credit is firmly under control, with reminders and up-to-date communications. Reviewed on: 11th April 2023

Fantastic product

Zopa came to my rescue with a credit card that is sensibly credited to my needs. Very easy app on the phone helps me keep up to date with payments and information on my account. Thank you Zopa. Reviewed on: 11th April 2023

Simplicty

Hassel free process and interaction Reviewed on: 11th April 2023

Easy to use and navigate

Experience with Zopa has been amazing so far. I’m currently using the credit card and I have managed it very well so far and the app is very easy to navigate Reviewed on: 11th April 2023

Credit card

Very easy to use and keep tracking on the app.100% recommended. Reviewed on: 11th April 2023

No complaints

Easy to deal with, online portal works well Reviewed on: 11th April 2023

Well organised financial company

It is a financial company it doesn’t force you to go into more credit. Reviewed on: 11th April 2023

Such a help

After living abroad for over 30 years I returned to the UK with no credit score, Zopa was willing to aware me with a credit card that I have been able to use to build my score. The app is really easy to use. Reviewed on: 11th April 2023

Love it

Love the service smith transactions Reviewed on: 11th April 2023

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