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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)

Excellent service

A great card, easy app to use, great customer service Reviewed on: 27th January 2022

Fantastic Zopa

The Zopa card , is a very helpful card with small payment and the team always ready to help. Thank you Zopa Reviewed on: 27th January 2022

Perfect service

A good credit card and very useful and helpful. Reviewed on: 27th January 2022

Trustworthy

I trust Zopa to have my best interests as they don't dither about reporting to CRAs; other companies that claim to help improve credit rating could learn a thing or two from Zopa. I would recommend them to my favourite people. Reviewed on: 27th January 2022

Most affordable credit card.

Very convinient to use with its security features that alerts you each time any transaction is carried out.Helps to build your credit as well Reviewed on: 27th January 2022

Banking at your Finger tips !

From application to daily use, straight forward No hidden agenda ! Banking at your finger tips as instantaneous as a Smile...Thank You. Reviewed on: 27th January 2022

The Zopa way keeps bad credit a bay!

Very good App, so easy to use, excellent card to build your credit rating. Fully recommend Reviewed on: 27th January 2022

Amazing so helpful and handy

Zopa has been amazing there app Is really informative and useful thanks Reviewed on: 27th January 2022

Grumpyteacher

Good card easy to use and pay off on line . Reviewed on: 27th January 2022

Hassle free

Zopa have a great app, easy to use so far I have had a hassle free experience. I contacted their customer service team and they have been very prompt to answer my questions. Would recommend definitely! Reviewed on: 27th January 2022

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