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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)

Simplicity perfected

Ever since getting a Zopa card, everything has been transparent, simple and open. No problems, no hidden conditions just straightforward and wonderful customer journey. Reviewed on: 15th January 2026

Zopa is sensible with borrowing funds.

Zopa is sensible with borrowing funds. A company that dosnt throw credit at you to get you into debt. A company I trust. Which is very important when lending money Reviewed on: 15th January 2026

Amazing Service

I can’t fault Zopa at all, very happy with their service Reviewed on: 15th January 2026

Very good service and helpful many thanks

Very good service and helpful many thanks Reviewed on: 15th January 2026

The app is so simple to use, everything can be done...

The app is so simple to use, everything can be done from one app! Reviewed on: 15th January 2026

Good credit card account.

Good credit card account. Reasonable interest. Would be great if could be added to Apple Pay Reviewed on: 15th January 2026

Very easy to aplly,also help me increase my credit s...

Very easy to aplly,also help me increase my credit score because of having this card. Reviewed on: 15th January 2026

Best c/ card I've had.

Best c/ card I've had. I've had several cards. Good int rates, clear app. Reviewed on: 15th January 2026

Great credit card to build credit score

Easy to pay money back and always checking affordability Reviewed on: 15th January 2026

Excellent

Excellent card good company and great customer service Reviewed on: 15th January 2026

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