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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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

So understanding!!

When I could not pay on time the staff were so helpful! I wasn’t made to feel like a criminal and they were very understanding. I’d promised to pay on a certain date and they were great at accepting my proposal Reviewed on: 17th April 2025

It was very easy to apply for the card.

It was very easy to apply for the card. Service is excellent the account has been monitored and adjustments made to both credit limit and interest rate. Reviewed on: 17th April 2025

Excellent experience with the Zopa services and acce...

Excellent experience with the Zopa services and access my finance in everyday life. Reviewed on: 17th April 2025

Easy to use good communication app is very good

Easy to use good communication app is very good Reviewed on: 17th April 2025

Very happy always had great service easy to use site...

Very happy always had great service easy to use site Reviewed on: 17th April 2025

I love Zopa they are very good I didn’t regrets of h...

I love Zopa they are very good I didn’t regrets of have Zopa when you put money it does not take time to reflect in ur account they are very good in service thanks you. Reviewed on: 17th April 2025

Zoos were there when I needed a little extra cash, w...

Zoos were there when I needed a little extra cash, when others weren’t and it was very much appreciated! It’s also helped me to rebuild my credit rating. Reviewed on: 17th April 2025

Excellent service

Zopa has excellent service and their form was easily accessible. Reviewed on: 17th April 2025

modern day credit card apps

Great example of how a modern day credit card apps should be Reviewed on: 17th April 2025

Zopa is by far the best credit card around

Zopa is by far the best credit card around Reviewed on: 17th April 2025

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