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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)

Very useful service and good card

The card and site are very good to use and very straight forward and simple. The app is user friendly and I have already recommended this to others. Reviewed on: 28th March 2022

Almost perfect

Just needs more options when using the website, encase you have no access to the app. Reviewed on: 28th March 2022

Title - second chance for credit building

Instance and fast support service. I had no problem using the app compared to its competitors. Service is very effective and interest is very afforadable. Reviewed on: 28th March 2022

No hassle credit card

Never hassle or keep sending emails to raise credit very professional in there business would recommend Reviewed on: 28th March 2022

Easy

This card is easy and always transparent to use. The lenders are responsible, informative and the App is great Reviewed on: 28th March 2022

5 star

Cant knock them, great customer service when you pay the money back you dont wait days for it to update, its literally showing instantly. Reviewed on: 28th March 2022

The best!

Love my zopa credit card! Couldn’t live without it Reviewed on: 28th March 2022

Excellent and easy setup

Love being able to see my balance and pay my balance earlier love the whole flexibility and control Reviewed on: 28th March 2022

Zopa so good

Brilliant service easy to use thanyou Reviewed on: 28th March 2022

My zopa

I’ve been so happy with this card. I’ve struggled for credit due to my past finances and zopa was the first card I was allowed that didn’t have a really high APR. I was so grateful for it I will give my loyalty back and stay with zopa. Definitely a thumbs up from me. Reviewed on: 28th March 2022

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