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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)

I can finally start building up my credit score

For a long time, I struggle to build credit due to a lack of credit history and Zopa helps me with pointers to improve my score and also start improving my spending habits. Reviewed on: 21st February 2023

Easy and quick application

The application process was very quick and easy with a quick decision. App is very easy to use and provides all information needed. Reviewed on: 21st February 2023

Excellent

Nice and easy to deal with any issues Reviewed on: 21st February 2023

Zopa is great

The customer service is very good Reviewed on: 21st February 2023

Easy to use

Easy to use application and app. Reviewed on: 21st February 2023

Easy to use app

The app is easy to use and customer service are friendly and helpful Reviewed on: 21st February 2023

Convenient, easy to use

I picked this card mainly due to my limited options and needing a card with low interest for withdrawing cash in other countries. The account runs smoothly and the app has everything you need Reviewed on: 21st February 2023

Very Good Credit card

Zopa credit card is good and I would love to recommend to my friends Reviewed on: 21st February 2023

Great so fR

Great service and rates my experience with Zopa has been great compared to other lenders Reviewed on: 21st February 2023

Fast, efficient and manageable

I highly recommend this product, from the initial application through to receiving the card and having access to the online platform, this card is ideal and manageable. Reviewed on: 21st February 2023

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