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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)

Caring and understanding

I have found Zopa very understanding of the need to support myself in needing extra credit in the current financial climate but also being conscientious in only allowing what I need and keeping me aware of my limit without patronising or judging. Reviewed on: 21st February 2023

Good company

They helped me a lot. Got my loan quick and easy. Would definitely recommend for short term loans. Big Reviewed on: 21st February 2023

Excellent

Delighted with my card and ease of use of the app. Reviewed on: 21st February 2023

Excellent company

Very easy to deal with, nothing is a problem Reviewed on: 21st February 2023

Easy to use

Very simple and really helps in situations when you need help with money or any payment Reviewed on: 21st February 2023

Zopa credit card

Very good credit card, good rates Reviewed on: 21st February 2023

Simple

No difficulties, just straightforward Reviewed on: 21st February 2023

Easy and fair

Easy to obtain and fair in fees. Kept me out of the gutter plenty of times, would recommend. Reviewed on: 21st February 2023

Good service

Easy to apply easy to understand, gives you an option to have a credit cushion to stop you getting into debt Reviewed on: 21st February 2023

Not greedy like the rest

The only card to have. They are very good for a credit card company Reviewed on: 21st February 2023

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