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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)

Simple and easy to use

Using to make my credit score higher app simple and easy Reviewed on: 17th March 2021

Zopa credit card

So easy to use instant updates on your spending keeps you updated Reviewed on: 17th March 2021

Zopa is easy to use, easy to repay, brilliant service

I find Zopa easy to use, easy to repay, no fuss, great customer service . Thank you, Zopa! Reviewed on: 17th March 2021

Fantastic service provided.

Zopa has really helped with flexible borrowing and it's so affordable with a decent interest rate. I got accepted straight away and gave me a really good credit limit. Highly recommend to anyone who is looking to build credit rating as it will help alot for future borrowing ect. Fantastic service provided by the company. Overall Very happy Reviewed on: 17th March 2021

Effortless

Fantastic service and when you make a payment it comes straight of the balance. Reviewed on: 17th March 2021

Fantastic

I would highly recommend Zopa, to my friends and family!i Reviewed on: 17th March 2021

Great card

Great card, plain and simple app! I like the way you can make extra payments which you can see reduce your balance immediately. Other cards take 2-3 days! Reviewed on: 17th March 2021

My feelings

It has been a while that I’ve been using zopa credit card; I’m literally satisfied with it. For sure I wouldn’t hesitate to recommend it to my closest relationships. Reviewed on: 17th March 2021

Great ! Super customer service!

Very good service. Had contacted them twice and very satisfied! Would recommend to everyone! Reviewed on: 17th March 2021

Paperless

The APP does it all with chat support Reviewed on: 17th March 2021

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