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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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 (44347)

Ease of application and service

Easy application online app for managing all your financial services Reviewed on: 21st February 2023

Really easy to sign up and great customer support

Really easy to sign up and great customer support Reviewed on: 21st February 2023

Zopa is a very responsible lender.

Zopa in my point of view is a very responsible lender and makes sure to check if you can afford a credit card or loan. Also I have have updates regarding my account on monthly basis which is very important to make sure we are on the right track. Zopa has helped me to restore my credit score. Reviewed on: 21st February 2023

Thank you for helping me through the difficulties time

You are amazing company. I never struggled since I am with you. Reviewed on: 21st February 2023

Credit card without the hassle

Been using my card now for over 6 months and very happy with the service and very good rates keep it up zopa Reviewed on: 21st February 2023

Excellent product and service

Easy to manage within the app - excellent product and service Reviewed on: 21st February 2023

Great customer service

from the start Zopa have always been approachable and emphatic when providing their service. I would recommend them to family and friends. Reviewed on: 21st February 2023

Re-builds credit

I applied to Zopa for a credit card so I could rebuild my credit history and score. The application process from start to finish was clear and easy. What I like best about Zopa is that they give you a low credit limit to let you get used to using a credit card and also so you as well as the Zopa team can see how you are managing the account and payments. Once they see you are doing ok, any credit limit increase is manageable and not one that is too big or overwhelming to deal with. I have found dealing with Zopa very easy and the staff are knowledgable, patient and helpful. I recommended Zopa to my eldest daughter and she has found her experiience to be similar to mine. I would highly recommend Zopa to anyone looking for a first credit card or to improve their credit history. Reviewed on: 21st February 2023

Excellent company

Excellent company, nothing hidden from a consumer and excellent customer service Reviewed on: 21st February 2023

My zoopa credit card

My card is always been my life saver and it also gives me enough time to pay my monthly due as I was able to change my due date at one point. Reviewed on: 21st February 2023

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