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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)

Hope when I had none

I have really low credit rating, zopa gave me a credit card with a low limit. I kept on top of my payments. It has really help my rating and now they have increased my limit. Reviewed on: 26th January 2022

Easy to use and understand

Easy to understand and great help on building credit would recommend Reviewed on: 26th January 2022

Great online app

Zopa are easy to use, straight forward no hidden charges, easy to use app Reviewed on: 26th January 2022

Top marks

No hassle and when u pay ur balance shows up instantly unlike other cards on the market Reviewed on: 26th January 2022

Great company, great customer service

Never had an issues with them - always great Reviewed on: 26th January 2022

great bank

excellent customer service provided by zopa first class customer approach Reviewed on: 26th January 2022

Quick and easy Loan

This was the quickest way I have ever know to obtain a loan. When I spoke to anyone or did webchat they were very friendly and helpful. Interest rates are good and you can choose how much you want and over how long to pay it back. Would recommend Reviewed on: 26th January 2022

Lovely

Easy to use good app to with all information required Reviewed on: 26th January 2022

Zopa Credit Card

Being accepted by Zopa with a not too great credit score due to unforseen circumstances. Has been a game changer for me. Being financially linked to a previous partner made getting credit hard. Thank you Zopa. Reviewed on: 26th January 2022

Excellent

Very good and reliable and the staff are really friendly Reviewed on: 26th January 2022

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