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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)

Clear communication

Zopa has got a very user friendly interface that is very comfortable for any user to use. They have created a significant impact in the industry while keeping their service top notch for their vulnerable users. I feel that Zopa has got the best communication among the industry. I love using a Zopa card and hope that the company will persist in giving same type of fantastic customer service. Reviewed on: 11th April 2023

Best credit card.

Very good credit card. We use the card for family shopping all the time. Reviewed on: 11th April 2023

I have had no issues with Zopa and I am very happy to use their card

Credit they gave me was affordable so I don’t go over what I can afford it is also easy to use the app and make my payment Reviewed on: 11th April 2023

Great credit for re-starting credit

Offered an opportunity to gain and build credit when others said no. Has proved a lifeline for the last 12 months. Reviewed on: 11th April 2023

Excellent servvice

Very clear and helpful with all aspects of finances Reviewed on: 11th April 2023

Easy app, easy account management

Easy to use app, clear statements. Reviewed on: 11th April 2023

Brilliant lender

I would highly recommend Zopa credit card. The app is so user friendly makes it easy to keep on top of your spending. They don't offer more credit than you can easily afford to pay back. Reviewed on: 11th April 2023

The best credit card/ personal loan provider out there

The best credit card/ personal loan provider out there for sure. The application process was easy and straightforward, the App is also incredibly easy to use. I would highly recommend ! Reviewed on: 11th April 2023

100% honest and trustworthy

Never had any problems with this company, always on hand if needed. Reviewed on: 11th April 2023

Quick application and very honest service.

Quick application and very honest service. Reviewed on: 11th April 2023

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