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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,348 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 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)

My favourite card

Zopa credit card is way in front of the others easy to use and when you transfer funds to the card the funds are available straight away and not in 2 days. ZOPA keep up the good work Bruce Henderson Reviewed on: 22nd February 2023

Great for building your credit score

Absolutely brilliant it's helped me build my credit score and they are so helpful if you want to talk about anything else Reviewed on: 22nd February 2023

Back on track with Zopa

Fantastic opportunity and resource to build your credit score Reviewed on: 22nd February 2023

Easy to talk to and helpful

Everything is easy to sort out everything is there you can talk online without phoning Reviewed on: 22nd February 2023

Quick easy extremely helpful

Excellent flexibility and any payments made are instantly added to your balance. Reviewed on: 22nd February 2023

Real people in the real world

Fantastic company with an understanding of the way life has its ups and downs when I fell out of work briefly and missed a repayment they listened and waited patiently for me to repay and once I had my card was unblocked and there to rely on if needed recommended to anyone and everyone. Reviewed on: 22nd February 2023

I recommend Zopa

Great card! It works perfectly, I'm very happy Reviewed on: 22nd February 2023

Does what it says on the time

You get to know your charges and plan ahead Reviewed on: 22nd February 2023

Good credit builder

Excellent card to have as a safety net Reviewed on: 22nd February 2023

Very good

Nice experience,good product,good offer Reviewed on: 22nd February 2023

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