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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)

Best credit card service provider

This is the best credit card provider I have ever used. They provide more than just the money, fast services, excellent customer services, easy to use and navigate app, credit score advise and so on. Reviewed on: 3rd February 2022

The perfect card

Easy to use app easy to make payments by lots of methods just a quality product all round Reviewed on: 3rd February 2022

Fairly New Credit Card Customer

I am pleased with ZOPA's incremental approach to Borrowing, I have a modest credit limit but it is easy to control. I have just been advised by ZOPA that I am now eligible to apply for a personal loan, rates are competitive and I will consider. ZOPA seems to be much more flexible than the traditional large banks and building societies. I am very pleased with ZOPA's service to date. Reviewed on: 3rd February 2022

Excellent

It's amazing services and customer service people's are very helpful like a family I said many thanks to zopa team feels to me like a family thanks zopa Reviewed on: 3rd February 2022

So easy to use

I appreciate the choice it gave me a chance to build credit and start to be like every these days who uses cards to pay great always Communicate with good emails good information Reviewed on: 2nd February 2022

Amazing service

Struggled to get a credit card for ages due to my credit file being horrible, paid my bills on time for a year and hey presto. Zopa gave me a good rate and my card was with me within a week with a decent credit limit. Couldn't ask for more. Reviewed on: 2nd February 2022

fantastic

I first saw zopa card and thought i would give it a go I have had real good service from the firm if i have a question its always answered in my opinion it is a good company for my banking needs. Reviewed on: 2nd February 2022

Superb service with an excellent App. Easy to use.

Not one have I ever had a problem with Zopa. I have been really happy from day one. I couldn't recommend them more highly. Reviewed on: 2nd February 2022

Brilliant borrowing

An easy card to obtain and use, customer service always helpful. Reviewed on: 2nd February 2022

Zopa are the best.

Very easy to make payments. They answer straight away. The over all service is very good I did not have any bad experience with them at all the app is so straight forward easy to use and can always pay bills on time and even see statements on there. And check next bill date. Reviewed on: 2nd February 2022

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