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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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Easy app to use with useful tips

Information easily available to make informed decisions. Reviewed on: 26th January 2022

Simply awesome

Best credit card in uk and minimum return payment only Reviewed on: 26th January 2022

Polite and efficient

I have only been with them a little while, but I have no problems sorting out any issues I have had, quick and polite. Reviewed on: 26th January 2022

Recommend

I have been using Zopa for several months and there have never been any problems. Everything is understandable and easy to use. I am very satisfied. Reviewed on: 26th January 2022

Amazing service

Everything about Zopa has been easy, straight forward and stress free, would highly recommend to friends and family Reviewed on: 26th January 2022

Excellent card

Excellent credit building service and easy to use online app Reviewed on: 26th January 2022

Great card provider

Easy experience, quick service and helping me repair my credit. What's not to love Reviewed on: 26th January 2022

Best credit card around!

I had poor credit and wanted to build up my credit score, zopa accepted me and its brilliant APR! Actually below 30%! Reviewed on: 26th January 2022

Great company

Been with zopa a while now, found them nice and easy to manage everything from payments to balance. Had no issues with the company very happy with everything they offer. Reviewed on: 26th January 2022

I would recommend

I am happy with the credit given the easy set up to pay back and gain more credit it’s all about trust Reviewed on: 26th January 2022

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