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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)

Excellent service

Great way to bank online excellent service Reviewed on: 28th March 2022

Beyond my expectations

Zopa accepted my credit card application and further they increased my credit limit within two months. That card really helped me in a very bad time when I was really needed. I found Very easy to apply with Zopa and very helpful team they have. I will recommend to every one. Reviewed on: 28th March 2022

Fast and easy to use

Took a chance on me and offered me a credit card to help me rebuild my credit after a hard few years. App is easy to use and payments are processed straight away unlike other credit cards Reviewed on: 28th March 2022

Brilliant service all around

Zopa is an initiative new way to have control over your money. Staff are friendly and knowledgeable. Reviewed on: 28th March 2022

Good company

I have always had a good experience with this company even during difficult times Reviewed on: 28th March 2022

Great service

No issues and very happy with all service I have received Reviewed on: 28th March 2022

Great service by all

Easy website. Simple to understand Reviewed on: 28th March 2022

Great service.

Always friendly with communicating. Easy to pay. Reviewed on: 28th March 2022

Best online banking

Online chat is great and quick response time. Wouldn’t use any other bank now I have starling Reviewed on: 28th March 2022

Zopa credit card and loan

I have a loan and a credit card with zopa. The apps has both my loan and credit card on and is very easy to use the payback rates are excellent and the staff are very helpfull should you wish to talk to them about something regarding your card or loan I highly recommend zopa to improve you credit rating Great company 5 star Reviewed on: 28th March 2022

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