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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)

Efficient and easy to use service

Efficient and easy to use service Reviewed on: 28th February 2025

I had the credit card for over 3 years , and never h...

I had the credit card for over 3 years , and never had any issues. I am well pleased! I would advise anyone that want to build their credit history! Reviewed on: 28th February 2025

Been real useful and reliable, would recommend this...

Been real useful and reliable, would recommend this to build credit score. Reviewed on: 28th February 2025

Very good no problems to use the card

Very good no problems to use the card Reviewed on: 28th February 2025

Brilliant

Best customer service ever. Affordable payments and listen if you are struggling Reviewed on: 28th February 2025

Fantastic would recommend to anyone

Fantastic would recommend to anyone Reviewed on: 28th February 2025

Easy pezy zopa

Use zopa because it's easy to understand the phone app and know exactly where you are Reviewed on: 28th February 2025

Really easy to use, service good

Really easy to use, service good Reviewed on: 28th February 2025

Great App with Great Features to manage my account. .

The app and card have been excellent. I really like the credit cushion feature as this helps me manage my credit so much more effectively and ensure I have something for emergencies. The app is easy to use whether money motoring my account or paying money in. Reviewed on: 28th February 2025

It’s a good credit card, works fine and everywhere w...

It’s a good credit card, works fine and everywhere with not a very high markup. Reviewed on: 28th February 2025

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