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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)

Bank awards

It been a pleasure to have this credit card it's been well worth having it and a very good company very professional Reviewed on: 21st February 2023

Best credit card

Ideal for purchases. Low APR rate Reviewed on: 21st February 2023

A real helping hand

The reason for my review is I was really struggling to get credit elsewhere and Zopa approved me which was great my limit was, small and manageable and has risen as I’ve used my card, still at a manageable level and it will hopefully show other lenders I am a trusted borrower. Reviewed on: 21st February 2023

easy mobile banking

high interest but mobile banking is easy Reviewed on: 21st February 2023

Nicola,a choice

The bestcard I have ever had. So easy to use and very competitive rates I recommend everybody to apply for one it's great Reviewed on: 21st February 2023

Thoughly Reccommend!

Easy, no hassel, no frills, you know what you are getting, nothing hidden, excellent app. Excellent to keep track of your spend. Superb. Reviewed on: 21st February 2023

Easy to use & responsible lending.

I applied for Zopa on a whim really but I’m glad I did. Their app has so much useful information on there and it makes it really easy to keep track of my payments and my spending. They send personalised emails with tips on how to help your credit score and what is holding you back. I really would recommend it. Reviewed on: 21st February 2023

Smart card

Simply easy perfection does exactly what it say and with ease Reviewed on: 21st February 2023

Fantastic easy credit card company

Cannot fault Zopa. From pending approval process to acceptance. To initial credit limit to potential increases. Absolutely everything. Making payments is so simple, as is purchasing using the cards. Instant notifications. Easy to use app. 10/10 Reviewed on: 21st February 2023

Good service, quick and easy to use

Straight forward, easy to apply, great service, easy app to use Reviewed on: 21st February 2023

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