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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)

'ronseal' company

Ordered and everything was ready to be used as soon as it arrived. When you use the card it let's you know how much credit you have left and also allows a soft buffer to stop you maxing it out and damaging your credit rating. Reviewed on: 28th March 2022

Do what they say - well

Offer loans at good rates no matter credit rating, make it easy to repay early if you wish and also provide credit cards at a fair rate and good limit, again no matter credit rating. Reviewed on: 28th March 2022

Easy to use and brilliant service.

Been with Zopa for quite a while now. Is good to know that is there always when you need it and quite affordable. Very easy to use . Gladly recommend. Reviewed on: 28th March 2022

Very good customer service

App works brilliantly and customer service are very responsive. Reviewed on: 28th March 2022

Great product

Easy to understand and quick application process. Reviewed on: 28th March 2022

ZOPA are so good

Excellent customer service skills and knowledge or experience to handle customer's financial crises is very superb and to head up no hidden charges for their services, thanks. Reviewed on: 28th March 2022

A star

Easy to use. Easy to manage account. Love the app. Simple and effective Reviewed on: 28th March 2022

Brilliant

They are very good, easy payment, which come of credit card straight away, not like some that take 3 days for payment to go through, never had any trouble, and would recommend them Reviewed on: 28th March 2022

Give it a go, you never know

I have bad credit and it come up saying you accept bad credit which I’m currently doing my best to make better. I applied got accepted and the app is so easy to use, I pay as much as I can when I can to get the amount back down with minimum payments set up each month Reviewed on: 28th March 2022

Absolutely Brilliant

Never had an issue ... the App is so easy to navigate, everything set out clearly nothing hidden ... brilliant Reviewed on: 28th March 2022

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