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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 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

Very easy to open account.

Very easy to open account. App is very good all products in one place. Reviewed on: 22nd April 2025

Very helpful in all aspects. Great company

Very helpful in all aspects. Great company have not had a bad experience Reviewed on: 22nd April 2025

Smooth transaction

Easy service, easy access by app, didn’t have to use customer service but all was quickly friendly and easy. Decision for approval was quick and straightforward. All information were clear Reviewed on: 22nd April 2025

Better Credit Score

For years my credit score wasn't good. Every credit card providers has turned me down, but finally Zopa came handy to improved my credit score. Reviewed on: 22nd April 2025

Good card for credit and easy access

Good card for credit and easy access Reviewed on: 22nd April 2025

Great card for people with bad credit or trying to b...

Great card for people with bad credit or trying to build a credit score I'd recommend Reviewed on: 22nd April 2025

The Zopa experience

Easy to contact sales staff excellent to talk to Reviewed on: 22nd April 2025

Easy apply,good customer service

Easy apply,good customer service Reviewed on: 22nd April 2025

Perfect for building credit

I was out of the UK for over 15 years and upon my return I was literally unknown in the UK when it came to obtaining even the smallest type of credit, such as a mobile phone contract. Zopa offered a credit card with a low credit limit designed for people just like me. By using the card regularly and paying off the balance in full every month my credit rating started to increase, which allows me better access to the UK credit market (mortgage, loans etc). Zopa also increased the credit limit on my credit card, which is also very handy. I would fully recommend using Zopa to anyone looking to build their credit score. Reviewed on: 22nd April 2025

Has help with credit ratings when no one else would

Has help with credit ratings when no one else would Reviewed on: 22nd April 2025

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