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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 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 (44348)

Good

Good was good experience I’m happy Reviewed on: 21st February 2023

Easy the app is fab

Love the App and card is so easy to pay off and see live limits Reviewed on: 21st February 2023

I am with zopa and have been for some years now and I have not had nothing bad to say about them

I have not had any thing to say about zopa,all the stuff are pleasant and nice to help you Reviewed on: 21st February 2023

Good service

Very good company don't just up limit quicky. So you don't get into more and more debt. Reviewed on: 21st February 2023

No pushing just help!

Zopa have done exactly what they said they would, provide good service and good communication. As someone who I building credit I’m still bombarded with “offers” and dangling credit in front of me hoping to push more to be taken. Zopa don’t do this! They offer support if they see you need it and don’t continuously send out offers for more credit. Reviewed on: 21st February 2023

Very good

Really impressed with all features of this card Reviewed on: 21st February 2023

Zopa experience

Easy to apply. Great starting credit amount even with bad / poor credit rating. Reviewed on: 21st February 2023

Easy to set up but no direct debit

Only issue is lack of direct debit which meant one of my payments bounced wgen i changed my debit card Reviewed on: 21st February 2023

Useful product

easy to use, the possibility to get an increase in the amount credited after a short period of time,transparent information on interest rate and payment deadline. Reviewed on: 21st February 2023

Top credits

Very quick and helpful service as iv had financial difficulties in the past , this card was recommended and would like to continue with this Reviewed on: 21st February 2023

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