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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)

Different to the usual

I'm really impressed with Zopa. They don't feel like the usual credit card company who are only concerned with charging interest, Zopa seem more concerned with making your credit score better. They send regular notifications telling you how your credit score is doing and how your borrowing power has changed. It's simple to use, simple to pay and easy to navigate. I'm very impressed Reviewed on: 17th March 2021

Professional service

Very good service with a professional attitude. Reviewed on: 17th March 2021

Helped me when no one else would

I messed up a few years ago and ruined my credit score. Took me a few years to clear a debt. I was looking for a credit card in order to repair my credit by using the card for a few expenses then paying off the balance in full every month. I'm probably not the kind of customer these guys want but thanks for giving me a chance Zopa. In regards to the card, the app is very good. I've had to contact their customer service team a couple of times being a relatively new customer and nothing but great. I would recommend this company! James Reviewed on: 17th March 2021

Reliable and informative

easy to read information at your fingertips! Everything you could need from an app and credit card! Reviewed on: 17th March 2021

Perfect easy banking

Easy to navigate app, excellent customer service Super stylish card. Great communication Reviewed on: 17th March 2021

Amazing

Excellent accepted straight away ,easy card 2 manage Reviewed on: 17th March 2021

"CARD BLANCHE" BRILLIANT

Great card, easy to use securely, great response on line for all requirements...brilliant Reviewed on: 17th March 2021

Great personable experience!

Easy to apply, easy to call and sort out issues, easy to use! Reviewed on: 17th March 2021

A great credit card.

Zopa are a grate company to deal with they keep you fully up to date with your spending and remaining balance. Reviewed on: 17th March 2021

Excellent

When i started to use this Zopa is very convenient for me. I will recommend to my relatives and friends etc Reviewed on: 17th March 2021

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