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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)

Helping me build credit history

I really like how I can set credit cushion to avoid spending more than I need to. Reviewed on: 31st January 2022

ZOPA for the win!

Since using ZOPA, I've found managing my expenditure to be much simpler, the system is really easy to use and I can spend for things like work travel costs without having to account for it through the month, paying back what's owed at the beginning of each month. My initial use for ZOPA was to improve my credit rating, however I feel the service has provided even more benefits to me so far. Reviewed on: 31st January 2022

Perfect

Very accurate and helps you a lot in building your credit score Reviewed on: 31st January 2022

Zopa Credit card

Zopa is awesome. Compare to other credit card Reviewed on: 31st January 2022

Customer Service

Totally easy to use and helped me enormously through some difficult times without any hassle Reviewed on: 31st January 2022

Great company

Credit card is so easy to use with app and everything is easy to understand. Staff are always helpful if you need to get in contact. Great company. Reviewed on: 31st January 2022

Helpful

Fantastic , quick and very easy to set up. Reviewed on: 31st January 2022

Very quick and very positive

Using services provided by this company makes my life easier. I have everything straight away. And repayment is instant there’s no need to wait two days for your funds to show up. It’s great. Reviewed on: 31st January 2022

Nu creste

De când am cardul de la voi am doar 200 lire Reviewed on: 31st January 2022

Very helpful and easy to use

After applying my credit card come quick. Also using the app very easy. I recommend to who wants to zopa. Thanks Reviewed on: 31st January 2022

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