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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Excellent card/company

Quick and easy to apply for small credit so you can’t get into trouble and easy to get hold of customer service if needed Reviewed on: 21st February 2023

Best Credit Card provider

With this credit card I had no hassle in setting up receiving cards, statements in timely manner and so easy to make payments in comparison to other providers I would rate this to be the best Reviewed on: 21st February 2023

Best credit card which suits my needs.

An all-rounded credit card which helps credit building and the credit card's app is amazing, it's full of useful tools. Reviewed on: 21st February 2023

Easy to apply, excellent customer service

App is super friendly too. Intuitive. I just thought that the credit limit could be higher, that's all. I'm an excellent paymaster. Reviewed on: 21st February 2023

Effective communication

Effective communication to customers Reviewed on: 21st February 2023

Easy to use

Great card that has an app which is really easy to use to keep track of your spending Reviewed on: 21st February 2023

Amazing products and service

Such a great product and service. Easy to apply and back fast with results. Card came through the post within days and app is amazing. Easy to control and budget with and set payments or change any details. Highly recommend Reviewed on: 21st February 2023

Simple

Easy to apply for. Simple well laid out app. Easy to understand Ts&Cs. Reviewed on: 21st February 2023

Amazing

I was extremely struggling, I needed money to be able to feed my family, Zopa helped me when I needed it most, so for me they are the best Reviewed on: 21st February 2023

Easy and convenient

Simple, easy and convenient digital process Reviewed on: 21st February 2023

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