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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)

Completely recommend

To get started the website it super easy to navigate, everything is clearly laid out in English and explained well. The credit card was very easy to apply for no faffing about with instant decision. Card arrived in the post swiftly. The app is brilliant for keeping an eye on my balance and for making payments. Have actually just recommended this to my partner and she has applied and been accepted. Great stuff!! Keep up the good work Zopa Reviewed on: 17th March 2021

Very satisfying

It comes in very handy when you need it great card Reviewed on: 17th March 2021

Fantastic

Fantastic service from start to finish Reviewed on: 17th March 2021

There when needed

I’ve had 2 loans with them plus a credit card .Can’t really fault them so far- competitive rates , the app for managing loans and investments works great, the couple of times I had to contact customer services have been a fast and pleasant experience . Overall happy and would recommend. Reviewed on: 17th March 2021

I applied online and got accepted straight away and my card arrived in 48 hours. No fuss or questions Brilliant

I would definitely recommend Zopa. It’s a no fuss straight forward credit card Reviewed on: 17th March 2021

The best

One of the best iv had and so easy to understand and pay back with a great credit building chance Reviewed on: 17th March 2021

Happy Customer

Easy app, notifications when you have used your card via app, receipt to your email account when payment to the account is made, very efficient service Reviewed on: 17th March 2021

Fantastic!!

I was shocked when I was accepted the card! It helps with my boosting my credit report! I would recommend to everyone Reviewed on: 17th March 2021

Happy customer

Reliable ,fast ,informative , keeps you upto date Reviewed on: 17th March 2021

Great service

Provides very good online service. Reviewed on: 17th March 2021

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