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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)

Zopa credit card

Zopa is a brillant credit card I like the fact as soon as you pay money off it takes it off the balance with most it takes 2- 3 working days,never had a amazing always paid off before statement comes out so I find it helpful that no Apr is on top so I will definitely recommend to friends and family Reviewed on: 28th March 2022

Of a great help

They helped me a lot when I needed it and they have great service. I would absolutely recommend them. Reviewed on: 28th March 2022

Excellent

You could not ask for a better credit card. There service is so good and I'm so happy a chosen zope Reviewed on: 28th March 2022

Nice

I am verry impresed about Zopa. I thought my credit file journey was over with a bankruptcy however after 3 and half years later from being discharged. With positive ticks since then and the right pro active steps taken. Reviewed on: 28th March 2022

Zopa is zopa-fantastic!!!!!!

Zopa are always there, on a rainy day and on Sunny day. Funds high or low. Zopa is the one. Reviewed on: 28th March 2022

Easy to use, helpful

As previously stated has an easy to use app, and it was very helpful when I needed a hand with the finances and no one would approve my application. Reviewed on: 28th March 2022

Keeping on top of my credit

Amazing ways of tracking what I need to do to improve my credit score and lots of communication Reviewed on: 28th March 2022

Excellent service and app

The app is really easy to use excellent user friendly easy to see how much you have spent and payment options Reviewed on: 28th March 2022

Generally the easiest way to borrow money safely.

Easy to use, upfront and professional service. Easy to access and see exactly where you are. Reviewed on: 28th March 2022

Very good card

Great customer service, when I've contacted them Reviewed on: 28th March 2022

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