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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)

Responsible lender

Zopa is a very responsible lender. You are always kept up to date with your transactions, spend, balance and payment dates. I find the App brilliant and I always know where I am with Zopa. They will not extend you extra credit until you can financially afford it which helps reduce the temptation to overspend and get into bad debt. Reviewed on: 26th January 2022

Zopa rules

They are bloody excellent. Incredible bunch of people. Boomshanka Reviewed on: 26th January 2022

Very easy to use service

the app is well built and makes life easy to manage my account and finances Reviewed on: 26th January 2022

Great service

Easy to set up, great app. Email reminders so you never forget Reviewed on: 26th January 2022

Great company to deal with

Easy to apply. Everything came through quickly. No problems at all with them. Reviewed on: 26th January 2022

Easy to use App.

Love the ease of the app. Really helps me to keep on top of what i am spending. Reviewed on: 26th January 2022

Excellent Starter Credit Card

I was approved for a ZOPA credit card 8 months ago and I can honestly say the whole process from beginning to date has been first class. Absolutely zero hiccups with the initial approval and set up, I was offered relevant products & an offering that suited my personal situation at the time and I have simply used the card as a monthly general spend card, paying off the balance in full at month end - ultimately to help improve my credit score. The app is incredibly user friendly & provides excellent information regarding my personal approval score, recommendations on actions to take to help boost my score and even recommends additional products that will help too! ZOPA has really helped me get my financial and personal details in order and assisted in tidying up my personal credit file! I would absolutely recommend ZOPA to anyone, in fact have recommended to a close friend already. Thank you for the terrific experience so far! Reviewed on: 26th January 2022

Just amazing

Zopa helped me through some tough time and when I needed it most. It monitors my credit usage and allows me to better maintain my credit limit. Interest is basically non existent if you pay on time and just overall excellent Reviewed on: 26th January 2022

Great service and very quick to apply

I love this company not only have they helped me improve my credit score I can controll my spending through the zopa app and also make payments very easily through the app aswell Reviewed on: 26th January 2022

No problems

I've had no problems and the app is so easy to use Reviewed on: 26th January 2022

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