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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)

Brilliant straight forward company

Highly recommended company straight forward with what you have to pay and fair with credit limits Reviewed on: 21st February 2023

Helpfull

Always on hand to help you Friendly service Fast response Reviewed on: 21st February 2023

Brilliant card, easy to use

Such an easy process to apply, information clear and concise; with a very easy app to manage/pay. I cannot recommend highly enough Reviewed on: 21st February 2023

Credit card

Very nice and easily accessible for credit Reviewed on: 21st February 2023

Really helpful

Set up really straight forward and simple. Had a question upon opening account, and chat option was great, and resolved my query quickly. APP is also really straight forward, helpful and thought through. Option to pay by bank transfer, is so quick and easy, and haven't had this with other credit card. Made payments easier and don't have to wait 2 days for it to clear. Overall really enjoying it. Reviewed on: 21st February 2023

Happy with my card

I’m really happy with zopa, I have a bit of bad credit and really trying to improve it. No one else would offer me a card apart from zopa. Reviewed on: 21st February 2023

Excellent service

Customer service was great and really helpful. I get regular updates on my account and notified of any changes. The APPS great too Reviewed on: 21st February 2023

Easy

Great company to deal with sand very easy app to use. Would recommend Reviewed on: 21st February 2023

Always helpful

They are very contentious with their lending and helpful with all requirements as long as it doesn't cause any issues for the customer or the lender. Reviewed on: 21st February 2023

Perfect

The perfect credit card for those who once believed they were ineligible! App and online service excellent and importantly, easy to use. Reviewed on: 21st February 2023

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