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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)

Great

Awesome service like the simplistic way of presenting information on the east to use App. Reviewed on: 21st February 2023

Excellent service

Zopa credit card is highly recommended, customer friendly! Considerate to current circumstances rather than history Reviewed on: 21st February 2023

Brilliant

Always understand and helpful and willing to help out Reviewed on: 21st February 2023

Brilliant and helpful

Great customer service , good at credit building Reviewed on: 21st February 2023

Excellent card

This card has been so useful to me. It works extremely well in every country that I have been to. Can’t think of any faults. Well done Zopa! Reviewed on: 21st February 2023

great service

Zopa is easy to use and the company seems to be a responsible lender as they ensure you can meet the repayments before upping your credit limit. It's reassuring to know I have emergency funds available and the app makes repayments and keeping a check on my balance easy Reviewed on: 21st February 2023

Excellent

Excellent product with great and easy to use app, would recommend to anyone. Reviewed on: 21st February 2023

Simple but effective

Zopa is simple to use and does exactly what it says on the tin. Their app is great to use and every time I have called or needed to contact customer service they have been helpful and solved my issues in a timely manner Reviewed on: 21st February 2023

Easy hassle free

East to use on the app , friendly hassle free Reviewed on: 21st February 2023

Excellent, Transparent Company

Great process from applying to receiving card. Great app really easy to manage funds. Reviewed on: 21st February 2023

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