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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)

A very good company

I like Zopa as they are consistent in reminding you of your spending. They keep you alert. Safe to use Reviewed on: 5th April 2023

Am amazing loan provider

Excellent experience despite my bad credit rating. Zopa provided me with an opportunity to rebuild my ratings and help me to meet my financial obligations without stress of paying back Reviewed on: 5th April 2023

Amazing service

Rates, ease, service are all excellent i have recommended Zopa to 6 family and friends Reviewed on: 5th April 2023

Easiest app ever

The app for managing credit cards and any loans with zopa is so user friendly, you can do most things without having to pick up a phone. You know exactly where you are up to and can access information easily. When I set up my credit card and loan it was the easiest I have ever done. Interest rates were best offered a s generally a great company to deal with. Reviewed on: 5th April 2023

Transparent and Trustworthy

I have used Zopa for a little while now and have nothing but a positive experience with them. I can see all my details at a glance on the app, pay extra when I need to to bring down the interest (which is a really good rate!) They seem to be pro-active in offering help and advice and do not push any products onto you. All in all, a pleasure to deal with! Reviewed on: 5th April 2023

Easy to apply and manage

I found it very easy to apply and also to manage the account. Reviewed on: 5th April 2023

Easy, convenient and trustworthy

I find Zopa so easy to deal with. Credit card rate is very competitive easy ro use Reviewed on: 5th April 2023

Got a credit card

Nothing wrong with them. Just a credit card Reviewed on: 5th April 2023

Best credit card and for loan. I have both with them.

I will always recommend zopa for anyone who wants credit card and loan. Reviewed on: 5th April 2023

Easy peasy

Such an easy and efficient service to navigate. App helps you to manage and keep track of payments or make extra payments with reminder dates. Overall I’ve found them superb to deal with. Reviewed on: 5th April 2023

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