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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)

Awesome

Fast turn around on payments easy to uses Reviewed on: 10th April 2021

Just Excellent

Great app, great banking. Everyone should look at this for a unique credit card. Reviewed on: 10th April 2021

Easy to use and up to date all the time

Keeps me in the know with my spending and my credit score so really handy! Reviewed on: 10th April 2021

Zopa

Exceptional communication of credit situation, easy to use application and easy to understand language Reviewed on: 10th April 2021

Thank you

I found applying for my loan and credit card was quite easy and staff handling queries were good at responding . I found Zopa a responsible lender. Reviewed on: 10th April 2021

Highly recommended

Easy to use app,informative,no problems Reviewed on: 10th April 2021

Excellent service

Love it great service, customer service is so quick to sort out your query Reviewed on: 10th April 2021

New Company so yet to be fully tested

Everything about this card is good although the APR could be better. That said I found the application process, account and app set up quick easy and very manageable. As my review title says though Zopa appears to be a brand new company so has yet to prove how good they are with other aspects of the account, customer service and how helpful they may be should things go wrong. To date though Zopa seems like a good company. Reviewed on: 10th April 2021

Great credit card provider , great rates and good customer service.

I was accepted with good rate despite not having an excellent credit. Reviewed on: 9th April 2021

Awesome service

They are the best for people who need to start their credit or ones with poor credit. Reviewed on: 9th April 2021

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