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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)

Best credit card service

Easy to navigate around the app. Excellent customer service. Reviewed on: 28th March 2022

Amazing and easy to understand

Zopa has given me a chance to regain a better credit score while also providing a simple and easy app Reviewed on: 28th March 2022

Happy customer

Excellent customer service, interest rate is good too easy to manage accounts and online account Happy customer Reviewed on: 28th March 2022

Brilliant company

Brilliant experience can only recommend Reviewed on: 28th March 2022

Quick, easy and simple to use

Fast to apply and be accepted, great customer service, low intrest rates. Great credit company Reviewed on: 28th March 2022

Just Perfect!

So easy to use! I love it best credit card so far! Reviewed on: 28th March 2022

Easy to use and very responsible

Zopa are a very responsible lender and there credit card and app are so easy to use makes a nice transaction every time. Reviewed on: 28th March 2022

Customer service perfection

They are so helpful, they lay out all information clearly, well designed app and are great for helping to build credit, 100% a recommendation Reviewed on: 28th March 2022

Simply the best Credit provider out there.

Zopa was the first company to offer me Credit Card when every other bank refused. Moving to a new country and building up credit score is difficult, and there comes my saver, providing with a credit card and amount to payback without interest within the given time. I would simply put Zopa as the best Credit Card company out there. Reviewed on: 28th March 2022

Great communication

Excellent customer service- fantastic response time - excellent product Reviewed on: 28th March 2022

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