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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)

Fab service

Easy app easy managing account. Brilliant service never had any issues Reviewed on: 21st February 2023

Good communication and affordable rates

I was looking for a credit card that have affordable rates and I found Zopa credit card which I am very pleased with especially that most of other companies have high rates. Zopa also have a great communication as I am always informed about any changes even if they are very little changes. Reviewed on: 21st February 2023

ZOPA IS THE BEST

I have tried many Creditors & credit cards in which I cancelled since using ZOPA. ZOPA is so easy to use and fairly stretched, I like that you can get rewards and perks and your credit can go up depending on how your repayments etc are. I have referred 5 friends to ZOPA who also have accounts now and absolutely love it. I am a loyal customer and will be for ever now! I will continue to refer people to ZOPA for as long as I use this service. Thank you to the lovely ZOPA team as well who have always been so so helpful and kind. Reviewed on: 21st February 2023

Best credit provider

Zopa is without doubt the best credit provider! Reviewed on: 21st February 2023

Fantastic

Fantastic credit card company. On top of their products. Reviewed on: 21st February 2023

Very flexible money repayments

Interesting and welcoming to people who are struggling to build their credits Reviewed on: 21st February 2023

Great user experience

Straight forward process and transparent communication of all relevant information Reviewed on: 21st February 2023

Great service

Since I've had a zopa credit card, they have been very helpful and always available to assist me if I have needed it. Reviewed on: 21st February 2023

My experience

I have a Zopa credit card and their customer service is excellent. I have had no problems dealing with them at all. Reviewed on: 21st February 2023

Excellent company

When no one els gives you a chance to get a credit card this company gives you hope and a chance to prove your worth it Reviewed on: 21st February 2023

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