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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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Great product with app.

Great product with app. Good rates and easy to use. Reviewed on: 23rd April 2025

I have really nice experience with zopa

I have really nice experience with zopa Reviewed on: 23rd April 2025

Great company to work with, staff so efficient and t...

Great company to work with, staff so efficient and there to help when needed. Reviewed on: 23rd April 2025

Great for credit building, excellent app to help yo...

Great for credit building, excellent app to help you manage your spending Reviewed on: 23rd April 2025

I found the Zopa experience very good actually bothe...

I found the Zopa experience very good actually bother to check font just offer credit increases based on tenure monthly updates on your eligibility is also fantastic. Reviewed on: 23rd April 2025

Do not use..

Bounced up my interest rate a lot for no good reason Reviewed on: 23rd April 2025

Responsible with great Customer Service

Whenever I have needed to contact Zopa I have always felt valued as a customer and understood. My experiences with Zopa have always been found to be responsible and understanding. Reviewed on: 23rd April 2025

Good excellent service.

Good excellent service. Keeps you informed when payment is due Reviewed on: 23rd April 2025

Good to use the credit card

Good to use the credit card. In my personal experience 10 out of 10. Reviewed on: 23rd April 2025

They gave me a credit card with a decent credit limi...

They gave me a credit card with a decent credit limit when no one else would. Thanks to Zopa I have increased my credit score too. Reviewed on: 23rd April 2025

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