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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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)

Great affordable credit

They always lend what I can afford and their customer service is great. I also love I can create a credit cushion Reviewed on: 21st February 2023

Easy to use and great for building credit

Zopa is more than just a credit card, it's a credit management tool. It features access to your borrowing power (how lenders see your ability to borrow and repay finance), and also access to other financial products that may be useful to you. The feature of being able to add and set a 'buffer' to your account, meaning that although your credit limit may be £1000, you can only spend what you think you can afford to repay, or what you want to owe. A great way to manage your own finances, from a responsible lender! Reviewed on: 21st February 2023

Extra without the stress

This site was so easy to use and a quick response. The rates were low and have given that bit extra for the rainy days without the stress!! Reviewed on: 21st February 2023

Easy to use credit card

I've been with Zopa for about a year. Their product plus app is so simple and easy to use. They send emails and notifications online. They remind you when your payment is due. So you don't have to keep checking. You can use it with Google pay so don't even need to use the card. You and set up a credit cushion to stop you going too far into your credit (you can adjust it whenever you need to). They will only increase your credit if they feel you can afford it Reviewed on: 21st February 2023

Good service

Very easy to apply, and good customer service. Always happy to help if you need it. Reviewed on: 21st February 2023

Excellent service

Perfect service , very happy with everything Reviewed on: 21st February 2023

Excellent service good app

First class service and a very easy to use app get timely reminders when payment due. Reviewed on: 21st February 2023

Good customer service

The app is very simple to use. Customer service is good, friendly staff. Reviewed on: 21st February 2023

Easy to use and very fair charges etc

No complaints, everything has been perfect Reviewed on: 21st February 2023

credit card

Excellent and I am happy with it Reviewed on: 21st February 2023

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