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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)

Great little card

Great little card if you are new to credit. Simple application process and a decent credit limit to boot. I would recommend this card to anyone. I am certainly looking forward to continued business with zopa. Reviewed on: 17th March 2021

Fantastic lender

I have always struggled to get credit since some silliness in my youth. Zopa set a sensible limit and put excellent tools in place to help me maintain control. The budgeting option allows me to keep £50 as a 'reserve'. I can also set a repayment amount and date which makes things easier. I find the 'pay in' option a lifesaver so I can pay my balance off on payday and know I am covered without having to pay interest. Reviewed on: 17th March 2021

Fantastic first time credit building card

Absolutely satisfied with Zopa and the way I've been treated as a customer Reviewed on: 17th March 2021

MR VIMALENDRAN SATHYENDRA

Great excellent brilliant service I will recommend to my friends Reviewed on: 17th March 2021

Easy to use!

quick and easy to use so helpful!!! Reviewed on: 17th March 2021

Brilliant

Easy to use and easy to understand an a great service Reviewed on: 17th March 2021

Great Control

Smart little card to help build ya credit and manage and balance it well.. has a great app to! Reviewed on: 17th March 2021

Top notch

First class in every way, helpful customer services too, Reviewed on: 17th March 2021

I recommend

I fully recommend! Easy to use and easy to pay every month, app it’s great and easy to use. Reviewed on: 17th March 2021

Very amazing !!!

Quick to get the card and credit great service and always transparent. Reviewed on: 17th March 2021

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