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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Personalised lending

Zopa provides a personalised and fitting service which meets your needs allowing comfortable repayments. Reviewed on: 25th January 2022

Good efficient service

Regular updates received on what has been spent in the card Reviewed on: 25th January 2022

Helpful

So helpful and easy to apply , once accepted the app is really good advising of every penny you spend and remaining balance also Reviewed on: 25th January 2022

Good straight talking bank

They are responsible, straight talking lender with no hidden fees and excellent app. Highly reccomend Reviewed on: 25th January 2022

Excellent

Gave me a chance when others wouldn’t, great service, easy to maintain, spot on! Reviewed on: 25th January 2022

Delighted Customer!

As a customer, there’s nothing better than feeling delighted - with Zopa, they have exceeded my expectations and I am delighted with their professionalism! Reviewed on: 25th January 2022

Good service

Help who need cash last minute and always perfect service Reviewed on: 25th January 2022

Zopa is brilliant

Zopa is brilliant and easy to use and help is there straightaway if you need it, I would recommend to anyone Reviewed on: 25th January 2022

fantastic company

easy to apply for and a great limit on the card Reviewed on: 25th January 2022

Top bank

Gave me a chance to build my credit when others wouldn’t Reviewed on: 25th January 2022

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