Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Great

I like it Zopa This app is easy to use and practical Reviewed on: 28th March 2022

Super fast ZOPA

My payments show immediately , no more bank sitting on your money for half a week…credit available straight away! Reviewed on: 28th March 2022

Great service steeped in reliability

ZOPA offers reliable and great service supported by great security features. Their supportive monetary advices are also very helpful Reviewed on: 28th March 2022

Perfect credit in a pinch

When you're in need of credit in an emergency or perhaps build your credit file you need Zopa. The app is super easy to use to manage your account and making paymets are a doddle! Reviewed on: 28th March 2022

Forget about banks

Zopa do what banks do but so much better. Used them since just after they were created way back when. Always trusted them and always will. Can’t fault them in any way. Reviewed on: 28th March 2022

Excellent Company

Simple to apply, manageable fair credit limits, excellent company, always keeping you informed and app is excellent and easy to use. Just simply the best! Reviewed on: 28th March 2022

Brilliant Customer service

Agents are so helpfull Always best Reviewed on: 28th March 2022

Helping put my life on track

Zopa gave me a card to help build my credit rating up since then I’ve been able to get a car so I can take my family out and it’s given me the freedom to build a future Reviewed on: 28th March 2022

Everything you need

Everything you need made simple and easy Reviewed on: 28th March 2022

EXCELLENT SERVICE

EASY TO USE AND COMMUNICATE WITH HIGHLY RECOMMENDED Reviewed on: 28th March 2022

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

All in One Credit Card
from Santander 4.27 from 23 reviews
Balance Plus
from Capital One 4.20 from 4 reviews
Credit card
from Jaja Finance 4.72 from 2531 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub