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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)

Best credit card

I can highly recommend this credit card company good customer service and the best there is out there Reviewed on: 21st February 2023

Great card

Easy to use app and let's you stay in control, easy sign up Reviewed on: 21st February 2023

I find Zopa as a very responsible lender.

The great thing about Zopa is the way they control your credit limit without being disrespectful towards their customers,as they have a very unique system to me as I don’t recall another lender that will check their customers day to day changes to their customers spending and lending and if the customer shows responsibility with their spending etc,then Zopa will offer their customers a greater level of credit but with Zopa’s clever approach to the specific customer and how they are controlling their credit line which I’m assuming covers all the person’s credit spending,so Zopa will always be part of my credit regime. Reviewed on: 21st February 2023

Zabulous zopa

Absolutely fab company, nothing to lose everything to gain Join Zopa today! Reviewed on: 21st February 2023

Zopla is Zuper!

Fantastic app, good communication. Congratulations on your award nomination Reviewed on: 21st February 2023

So easy

Easy to use. I loved the app. I recommend for my families and friends ☺️ Reviewed on: 21st February 2023

Best rates for Credit Cards

I have had an exhilarating experience with the Zopa app to track my spending and consistently get sound financial options and advice. Reviewed on: 21st February 2023

Easy and quick

I set up an account super fast and it got verified quickly, I’m now on my way to building better credit. Reviewed on: 21st February 2023

Excellent company and service

Excellent company, excellent service easy to use and would highly recommend Reviewed on: 21st February 2023

Great to deal with

Very decent and understanding company Reviewed on: 21st February 2023

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