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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Bang on perfection

Can’t fault my experience what so ever 100% customer service all the way Reviewed on: 28th March 2022

Excellent

Help me build my credit rate and when u pay money off ur bill it is instantly there to be use again not like other credit cards as they take upto two working days to clear Reviewed on: 28th March 2022

The best credit company

The best credit company bhsnssnjanzbsnz Reviewed on: 28th March 2022

Good customer service

Excellent iin the way they operate,very helpful, always keep me up to date with payments and additional items related with Reviewed on: 28th March 2022

Easy to use, friendly service.

Great to build your credit back up, and easy to use, fantastic. Reviewed on: 28th March 2022

The bank at the heart of customer services.

Always willing to assist and does not encourage borrowing above your means Reviewed on: 28th March 2022

Simple, flexible, effective.

Zona have been great, they have allowed me access to credit from a history of difficult credit. They allow me to borrow sensibly with full visibility of what has been borrowed and what is being paid back. Making extra payments is simple. Borrowing with Zopa is simple and minimises stress. Reviewed on: 28th March 2022

Easy, affordable and excellent service!

I have been with Zopa for nearly a year, my experience has been effortless to say the least. Easy reminders, lovely staff and a fair credit limit. Reviewed on: 28th March 2022

Great card to build credit

Great card to start and build your credit journey. Great app and application process was straightforward. Reviewed on: 28th March 2022

Good service.

Good app, easy to use. High interest rate, but good and quick update. Reviewed on: 28th March 2022

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