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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44347)

Fantastic

Love my zopa credit card really helps to control my finances Reviewed on: 11th April 2023

Very good!

Good service. No issues or complaints! Reviewed on: 11th April 2023

Best credit card so far!

Easy to use. App can do everything for you saves the hassle to call in and app friendly. Amazing card by far out of all the others used in past. Reviewed on: 11th April 2023

One of a kind

A simple, easy to use modern card that keeps you up to date with your account balance and repayments. Highly recommended Reviewed on: 11th April 2023

Easy to use app

Easy to use app , never had any issues 5 * Reviewed on: 11th April 2023

actually understands customers

they were more than happy to waive charges over my confusion on a payment - no hassles, no red tape, no computers.... refreshing Reviewed on: 11th April 2023

Easy to use and very helpfull

Great app, easy to use, good notifications and succinct communications Reviewed on: 11th April 2023

Great

Applied and was immediately approved without loads of question.Easy application with no fuss Reviewed on: 11th April 2023

Great card

Great card and great service. Tips on the app are very used too Reviewed on: 11th April 2023

Great for rebuilding

I have found Zopa to be a responsible lender and have been able to rebuild my credit score. I feel that I am in control my credit and can choose to increase or not. I like that payments are instant so you always know where you are at. Zopa for me have been amazing and if like me you need to rebuild your score or take better control over your spending then Zopa is perfect. Yes the interest rate is on the higher side, but if you keep your spending down and pay off either in full or more than the minimum you can keep on top of it. Also if you have a poor credit rating then you won’t get better! Reviewed on: 11th April 2023

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