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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)

Excellent

Fantastic app that is easy to use Reviewed on: 17th March 2021

Yes would recommend

Excellent and easy to use and contact with any issues , reply very quick Reviewed on: 17th March 2021

Zopa, fair and easy!

Zopa were very fair and easy to me when i made my application. They took my financial circumstances which i admit werent in the best of shape and they, in my opinion at least, fairly assessed me and gave me a chance. Since then i get regular updates about my 'borrowing power' with regards to other Zopa products so that i know as things improve? More options will become open to me! Reviewed on: 17th March 2021

Efficient and reliable

The app itself is extremely efficient and rarely has technical issues. Reviewed on: 17th March 2021

Best credit card I have would definitely recomand

Every thing about the app is super easy and tells you every thing you need to know about your account Reviewed on: 17th March 2021

So simple

Just a simple credit card, Great app easy to use Reviewed on: 17th March 2021

Mr Wood

Great customer service well worth applying Reviewed on: 17th March 2021

Simple and quick process

Very easy to apply and setup from start to finish Reviewed on: 17th March 2021

Customer Experience

Easy application process, user friendly and easy to navigate app, super efficient resolutions from customer service team. Friendly, down to earth service. Thank you! Reviewed on: 17th March 2021

Great credit card

Easy to use and nothing hidden, perfect for building your credit rating Reviewed on: 17th March 2021

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