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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)

Fantastic

Brilliant service and great app Reviewed on: 28th March 2022

Easy, fast and great customer service

Been smooth sailing since the card arrived. No issues at all. App is easy to navigate and use. Reviewed on: 28th March 2022

Brilliant company

Easy to manage my payments effectively with the app which is very handy. A++++ zopa Reviewed on: 28th March 2022

STUNNING SERVICE

ZOPA STEPS OUTSIDE OF THE GENERAL BANKING PRESENTATION AND IN DOING SO IS UNIQUE IN ITS APPROACH BY BEING DIFFERENT Reviewed on: 28th March 2022

Clear and concise financial advice.

I have found the interest rates to be reasonable and Zopa are always giving advice on improving credit scores and making solid financial decisions. The app is so accessible and easy to use. Reviewed on: 28th March 2022

A card that's with the times!!

Fantastic service ! Payments in straightaway. I would highly recommend Reviewed on: 28th March 2022

They gave me a chance

With a poor credit history, I have struggled recently to get credit. Zopa looked past the credit report and I have found things much easier since they took me on board. I went through an IVA from 2016 - 2022 and trying to get back on my feet has been difficult but Zopa have been supportive, encouraging, easy to contact and deal with and very fair. Reviewed on: 28th March 2022

Great card and app

Very easy to understand app tells you exactly what you need to do Reviewed on: 28th March 2022

Highly recommended

Good service! Low interest rates! Reviewed on: 28th March 2022

Great professionals

After years of financial difficulties, Zopa has greatly assisted me with getting my finances back on track. They are very easy to deal with and feel that I'm in good hands. Highly recommend to anyone. Reviewed on: 28th March 2022

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