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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 credit card provider 2025

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

Zopa Credit card reviews (44348)

Straight forward

Easy to understand app and fast service when you contact them :) Reviewed on: 7th April 2021

Payments

When you make a payment it shows in your account almost immediately Reviewed on: 7th April 2021

Brilliant bank

Nice, quick and simple to use which is what you need in your busy day to day life style. Reviewed on: 7th April 2021

Excellent

Loan and credit card. Both very easy to manage: pay off early Staff always helpful. App very easy to use Reviewed on: 7th April 2021

Great company

I was looking for a credit card to help build my credit score, Zola accepted me and if December and my credit score is slowly coming together now. So thanks Zopa Reviewed on: 7th April 2021

The most understanding company

Truly the best and most empathetic credit card company I have ever come across Reviewed on: 7th April 2021

Great app

Great app with great credit card features. Reviewed on: 6th April 2021

You can bank on Zopa!!

Fantastic APR and also fantastic customer service I see this company going from strength to strength and I am Very proud to be a customer. Reviewed on: 5th April 2021

Excellent all round

App is excellent. Clear, easy to use and understand 5 star service Reviewed on: 5th April 2021

Amazing

Found it hard to get a credit card to improve my credit, was accepted very quick and brilliant company Reviewed on: 2nd April 2021

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