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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)

Would recommend

Amazing customer service and great card to have Reviewed on: 26th January 2022

Interest rates expensive

It is a good credit card I love it Reviewed on: 26th January 2022

Need to build your credit - Then Zopa is your Bank

Zopa are very aware that people are struggling and they don't want to add to that struggle, but do want to help, so they are responsible for how they lend. The credit card has a brilliant little buffer to make sure you are aware when you are getting close to your limit. Absolutely Marvellous Reviewed on: 26th January 2022

Efficient and promptu service

Friendly and supportive employees Reviewed on: 26th January 2022

Great company with a fantastic attitude

Zopa has a fantastic attitude and understanding to its customers and is extremely helpful in the way it communicates and helps through it's at and on line. Reviewed on: 26th January 2022

Top service bank

Top quality service very helpful customer service easy to deal with Reviewed on: 26th January 2022

Credit card

The zopa credit card is one of the best Reviewed on: 26th January 2022

Really Friendly Card!!

Great card with a decent limit. Easy to use the App and has a great credit management tool thrown in!! Reviewed on: 26th January 2022

It's super quick ...

Zopa credit card it's a quciker credit card that I ever seen. Whenever you paying your minimum payment or other amount it will be reflecting to the card immidiately and this is absolutley perfect cause it saving you from waiting some processing date (like other credit cards) and it will preventing you from being charged more or missed/late payments. Absolutely amazing. Also, I have found that Zopa is a responsibble lender and each month they provide me with some good information like my borrowing powere and ... whicg helps me a lot to focus on my finance and stay on correct road to build a brighter future. Thanks Zopa Reviewed on: 26th January 2022

Credit Credit Card

Simple, straight forward and hassle free. Managable and easy access to manage your spending. Would definately recommend Zopa. Works for me. Reviewed on: 26th January 2022

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