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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

This company doesn't attempt to promote lending above your financial status. There is no increase without confirmation that you would be able to afford paying. Also there website and app is so straightforward and you can easily keep control of spending and all transactions. Thus ensuring no unauthorised use or payment. Reviewed on: 26th January 2022

Only card that I was allowed

Great company fair enough to give me credit when others wouldn't big thumbs up can't fault them so far Reviewed on: 26th January 2022

Amazing bank

Good and reliable bank.low interest rates and helpful customer service. Reviewed on: 26th January 2022

Johnhunt

Fit my needs very good did for me what i wanted it to do very satisfied. Reviewed on: 26th January 2022

Very happy

Just good service and very happy Reviewed on: 26th January 2022

Amazing!

I was just coming out of my iva and I really needed something to keep me going and build up my credit again and they have been fantastic Low monthly payments and Brill app Highly recommend Reviewed on: 26th January 2022

Great rates, functional app and borrowing power info

Zopa offers great rates even for those without a good credit rating. The app is user friendly and it’s easy to see where my account is up to, I can see my eligibility for further products and my borrowing power score. I would highly recommend Zopa for their ease of application, account management and customer service! Reviewed on: 26th January 2022

Awesome

Very good customer service and very friendly Reviewed on: 26th January 2022

Very dependable

Find everything easy when I started using Zopa.it has been really helpful for myself and my family. Reviewed on: 26th January 2022

one of the best

my strength is zopa helps me a lot Reviewed on: 26th January 2022

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