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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
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0%
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0%
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0%

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
Gary Keaney's avatar
Gary Keaney

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44348)

Zopa are an inclusive and accessible bank

5
Zopa treat people like people, not a number from a credit score. They always respond to customer service chats with respect, warmth and a problem solving approach. Reviewed on: 26th January 2022
Andrew Rowe's avatar
Andrew Rowe

Just simply, amazing!

5
I have used many credit cards over the years and have found that I really was not getting any value. With Zopa that all changed! I was given a fair amount of credit which was at a very good interest rate considering my credit score. The application process was quick and easy and I love that I can manage my payments, credit limit and track my spending all through the app. Having the option to set up an auto payment for a specific amount every month also makes the payment process even easier. Definitely would recommend to friend and family. Reviewed on: 26th January 2022
Annie B's avatar
Annie B

Best app help me a lot with my bad credit history

5
Help me in my bad time Reviewed on: 26th January 2022
Shahzad Butt's avatar
Shahzad Butt

Fair Company

5
Brillant Credit Card, Excellent Management of Accounts Reviewed on: 26th January 2022
Keith's avatar
Keith

Zopa has been very helpful

5
I find zopa very helpful and true understanding to many situations and circumstances. Reviewed on: 26th January 2022
dariusxxx2830's avatar
dariusxxx2830

Fantastic credit card with all the hassle

5
They make everything so easy, and take all the stress out of having a credit card. Reviewed on: 26th January 2022
Jonathan Athey's avatar
Jonathan Athey

Brilliant

5
Quick and easy. Recommended. Everything online. Simple Reviewed on: 26th January 2022
Tomasz 's avatar
Tomasz

Brilliant

5
Iv never had any troubles and they given me a chance to prove i am trusted people to lend money they’ve will help to improve my credit score Reviewed on: 26th January 2022
Emma holloway's avatar
Emma holloway

Great customer service

5
The app is simple to use and they make the repayment options clear and stress free. Customer service has always been really fast - for example I sent the card to the wrong address and it was immediately reorganised. Very happy so far Reviewed on: 26th January 2022
Sarah's avatar
Sarah

Excellent provider

5
I recently joined Zopa through a new credit card, the process was smooth and easy to follow, everything is done through the Zopa app you can see balance ands transactions immediately and you are alerted to any spending and approval for larger products. What I find is that every time, I make a payment, it shows up on my balance immediately and credits it to my card within minutes, which is fantastic,unlike some credit card companies take a few days to process. I would recommend Zopa to anyone. Keep up the good work Zopa. Reviewed on: 26th January 2022
Barbara Wilson's avatar
Barbara Wilson

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