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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)

Only company who cares..

I’m very happy and contended with their services and product definitely recommend all especially less perfect credit rank peoples Reviewed on: 21st February 2023

Amazing easy and flexible

Great support , good communication made easy at anytime of day. Good offers and easy to use. By far the best new name on the market. Reviewed on: 21st February 2023

Good to manage your money and good interest

I’ve been on Zopa for a while and I will say it’s the best credit card company , low interest and they keep you on top of how much to pay and when to pay! Reviewed on: 21st February 2023

Easy tobuse

Easy, straightforward to use and manage Reviewed on: 21st February 2023

Great experience

Very good experience, never had any issues and have always found zopa to be very helpful Reviewed on: 21st February 2023

Outstanding Zopa

Zopa has one of the easiest online app there is and the customer service is by far one of the best.. Reviewed on: 21st February 2023

Credit rating

Helping get my credit up, so I can have a better rating Reviewed on: 21st February 2023

Fantastic

Helping build credit is easy and also easy to monitor with the tips. Thanks Reviewed on: 21st February 2023

Excellent card

Very good customer service and overall would recommend this company 100% Reviewed on: 21st February 2023

Easy setup and easy app

I liked how quick it was to find out whether you could be accepted for the card and how quick everything else fell into place. Getting the app straight away is a good idea while waiting for the card and pin to come. The app is easy to use and you can keep track of payments as well as pay off when you want or setup up a direct debit. I like the security when purchasing which tells you to authorise a transaction. Best for this day and age. Overall I'm happy with the card and services. Reviewed on: 21st February 2023

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