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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)

The best credit card provider

I found it easy and very convenient to apply Reviewed on: 18th March 2021

Great to help build my credit score

Great way to build my credit rating Reviewed on: 18th March 2021

Top card

They helped me when a lot of other banks wouldn't Reviewed on: 18th March 2021

Absolutely fantastic.

Fair and easy to use with great customer service. Reviewed on: 18th March 2021

Clear & efficient

Payments are cleared immediately unlike other credit cards which can take a couple of days to process payment and update records Reviewed on: 18th March 2021

Good service

Good. But £300 on my credit file does not worth it. Reviewed on: 18th March 2021

Great customer service

Great customer service and very friendly staff Reviewed on: 18th March 2021

User friendly

Easy to use, notifications on spending Reviewed on: 18th March 2021

So far, perfect service and a great product

See above. Reviewed on: 18th March 2021

Zopa is amazing, wish I found you guys sooner.

Accepted with zopa for a credit card and car finance the other day, their customer service is off the charts. Amazing, well done guys you deserve to win this only had negative experiences with other providers. Reviewed on: 18th March 2021

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