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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)

Great credit card to start building credit

I have used Zopa for a little over a year I believe, and it has helped me to improve my credit score! With friendly customer service staff, whenever I have had an issue it has always been swiftly resolved with a can-do attitude. I would totally recommend! Reviewed on: 21st February 2023

Very well customer services based

Always on hand to help no query to big, all round great. Reviewed on: 21st February 2023

Great service

Love been part of this company,great communication with them,and great App Reviewed on: 21st February 2023

Reliable hassle free

Reliable card taken everywhere with hassle free app to keep an eye on spending and make additional payments easy Reviewed on: 21st February 2023

User friendly

I love my zopa card, it is reliable and user friendly app makes all information available easily at any time of day or night! Reviewed on: 21st February 2023

Saved my life

Was struggling and Zopa helped me out so now paying back what I borrowed Reviewed on: 21st February 2023

Amazing

Everything you could need or want from a credit card Reviewed on: 21st February 2023

Best company

They are helpful, give the best advice on how to save money and also boost your credit score! I’m on the best route to better my finances and buy my first home. Thank you Zopa Reviewed on: 21st February 2023

Best experience

They have affordable rates and their app is straightforward to use Reviewed on: 21st February 2023

Excellent all round

Qucik and easy to apply, great service and app easy to use Reviewed on: 21st February 2023

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