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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)

Helpful, quick, informative.

Helpful, quick, informative. Zopa have helped me Reviewed on: 6th March 2026

Good in all areas, easy and efficient

Good in all areas, easy and efficient Reviewed on: 6th March 2026

r w alexandra

good so fat and helpful staff . Good to talk to someone Reviewed on: 6th March 2026

Great customer service when there’s an issue, would...

Great customer service when there’s an issue, would prefer a phone service aswell thou. App could do better at reminding about payments due but overall a good credit provider. Reviewed on: 6th March 2026

I did find all the process easy and very clear,good...

I did find all the process easy and very clear,good communication and transparency. Reviewed on: 6th March 2026

Amazing card amazing customer service even if I hav...

Amazing card amazing customer service even if I have bad credit give me tha change to build my Gredit again thanks Reviewed on: 6th March 2026

I find using Zopa easy and safe.

I find using Zopa easy and safe. I am really happy with the service. Reviewed on: 6th March 2026

First Card I got accepted for after my IVA.

First Card I got accepted for after my IVA. Very happy with the product and interest rates. The app is great and helps you keep track of spending. They are also a responsible lender and only lend what they think you can manage. Reviewed on: 6th March 2026

Great service highly recommend to anyone with not th...

Great service highly recommend to anyone with not the best credit score all in all recommend highly. Reviewed on: 6th March 2026

Very efficient and informative give plenty of notice...

Very efficient and informative give plenty of notice as when to pay and how and extremely easy. Great offers as well Reviewed on: 6th March 2026

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