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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)

repair credit

Easy to apply for and easy to use, no hassle Reviewed on: 21st February 2023

Accessible and fair

Zopa were among a small panel of lenders willing to accept me for a credit card. Despite some previous financial difficulties that impacted my credit history, Zopa looked at the affordability of their product and took into account my otherwise excellent credit history and other positive factors. I’d consider this to be both ethical and responsible lending, which the market needs more of. Reviewed on: 21st February 2023

Easy to use

Easy to get signed up , and kept up to date with lots of info regarding any changes. Easy to use up to keep track of transactions and balance Reviewed on: 21st February 2023

Brilliant

So easy to set up and use and you can spilt money put some to one side so you don't spend to much Reviewed on: 21st February 2023

Happy

Very good choice,seample and correct. Reviewed on: 21st February 2023

Excellent

Zopa credit card has been a great help to increase credit rating. I highly recommend Zopa to one and all. Reviewed on: 21st February 2023

Great card

Easy and clear to use. Quick to respond. Reviewed on: 21st February 2023

Fantastic

Everything is clearly set out and easy to keep your eye on your finances Reviewed on: 21st February 2023

Brilliant for building credit.

I would highly recommend zopa. The app has been brilliant for me to keep on track with my finances and find it really easy to use! Reviewed on: 21st February 2023

Very good service

Very easy to understand statements and good all round service Reviewed on: 21st February 2023

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