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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)

Hassle Free

There is no hard-sell involved with Zopa, using the app allows customers to keep on top of their spending, available balance and any offers that may be available. Unlike other credit card providers, once payment is made, a receipt is forwarded and the balance reflects the payment made immediately - other cards I have used in the past advise a period of two working days before payment is reflected. Timely notification for new statement available and payment due date, but, as a customer, I do not feel pressured or 'badgered' in any way Reviewed on: 21st February 2023

Best credit card provider 2023

I took out a credit card with Zopa last year and now my credit score has improved massively. They are a responsible lender who help improve your credit score by reporting your usage to the credit agencies. Highly recommended Reviewed on: 21st February 2023

Everything simple

Good credit card also use anywhere and easy increase the credit limit and everyone easily apply Reviewed on: 21st February 2023

Easy peasy lemon squeezey

Everything made easy with a Zopa credit card!!! Reviewed on: 21st February 2023

Easy to apply

Was easy to apply , answer was quick and app is easy to understand Reviewed on: 21st February 2023

Highly recommended

One of the easiest credit cards I’ve ever used, very convenient. Easy pay back and goes straight to your credit no waiting days for it to clear Reviewed on: 21st February 2023

Trust worthy company

Good company through and through good security on my credit card all and all good Reviewed on: 21st February 2023

Best card service ever

Just brilliant very good customer service and so easy to use more so the app Reviewed on: 21st February 2023

Clarity

Up to date messages regarding all aspects of spending, balances etc Reviewed on: 21st February 2023

Zopa started me on the road to a good credit score

Financially not good,zopa started me on to a good credit score Reviewed on: 21st February 2023

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