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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)

Fab & Flexible!

Zopa has helped me get my credit rating up and back on track but offering accessibility to figures, easy payment, flexibility and advice on ways to improve score with tips. Been a great experience. Reviewed on: 5th April 2023

Honest, accurate, reliable

He cares about his customers, helps, and offers good loan terms. Reviewed on: 5th April 2023

Zopa Credit Card

Application and approval processes were stress free and swift. Reviewed on: 5th April 2023

Fabulous.

Fabulous customer service and prompt replies. Couldn't fault them Reviewed on: 5th April 2023

Fast and effective bank

I use this bank for loan . So easy and fast . Highly recommended Reviewed on: 5th April 2023

Bowled over

Quick and painless application, approved instantly. Great easy to use app Reviewed on: 5th April 2023

Helpful

Easy to apply ,quick response keep up to date. Reviewed on: 5th April 2023

Fantastic service and superb App

The speed to setup a new account is brilliant, approval is provided quickly and the after support is quick and efficient. Also the app makes it very easy to make payments and manage your finances. Thank you Zopa Reviewed on: 5th April 2023

Great!

Very good and very easy to use Staff very friendly and helpful Reviewed on: 5th April 2023

Best in the business

I have a great experience so far with Zopa. Great customer service and lowest APR i could find on the market Reviewed on: 5th April 2023

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