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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)

NUMBER 1

A GREAT AND EASY TO USE APP ,WITH A VERY QUICK RESPONCE, A VERY HELPFULL SUPPORT TEAM 10 OUT OF 10 Reviewed on: 29th January 2022

Easy and perfect service

I am using zopa and it's too easy to use,very good service and and perfect application.. Reviewed on: 29th January 2022

Simple and easy. Great for building credit!

Really happy with zopa, can make payments whenever I would like to and set up my monthly payment on top of that. Reviewed on: 29th January 2022

Simple operation

Simple and transparency operations throughout all Zopa transaction is clear Kodus! Reviewed on: 29th January 2022

Helped me when others wouldn't

I don't have the best credit score and was in need of some extra help until pay day and zopa were the only ones who accepted thanks guys Reviewed on: 29th January 2022

Fantastic

For me, the fact that once I make a payment into my Zopa account, the balance reflects immediately....That's golden. Also, on the occasions where I've had to call to get an issue resolved, the service I got was very very good. The agent paid attention to my complaint and took time to explain and then helped to resolved it. I had peace of mind after I was done on the phone. ...and when I encountered similar problem, I remembered him and knew what to do. Thank you Reviewed on: 29th January 2022

Awesome!

Great service, superb app and quick payments... my favourite line of credit. Reviewed on: 29th January 2022

Excellent!

Very easy to access and to use the card! Reviewed on: 29th January 2022

Zopa good

Zopa service is very welcoming and warm Reviewed on: 29th January 2022

My first choice credit card

Great Card, Great Customer Service and has helped me improve my credit score. Reviewed on: 29th January 2022

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