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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

The best credit card

I can't thank enough. When I couldn't get credit nowhere, zopa give me a hand Reviewed on: 28th February 2025

Great provider value for money good communication

Great provider value for money good communication Reviewed on: 28th February 2025

Positive Experiences

I have only had positive experiences with Zopa. Reviewed on: 28th February 2025

Very easy to make extra payments if I need to?

Very easy to make extra payments if I need to? Reviewed on: 28th February 2025

Excellent service & every thing on time

Excellent service & every thing on time Reviewed on: 28th February 2025

Easy peasy

Zopa easy to apply for app is straight forward. Reviewed on: 28th February 2025

Zopa said yes when everybody else said no as my cred...

Zopa said yes when everybody else said no as my credit score is low, they give me a chance. Honest and clear. Reviewed on: 28th February 2025

Very communicative and providing informed notices, w...

Very communicative and providing informed notices, whilst not pestering you with marketing gimmicks. Service is fantastic and the app works as it should. Nothing to complain about. 5 stars across the board. Reviewed on: 28th February 2025

I hve found Zopa to be super efficient with regard t...

I hve found Zopa to be super efficient with regard to wueties Reviewed on: 28th February 2025

My Zopa credit card has been a fantastic way to incr...

My Zopa credit card has been a fantastic way to increase my credit score. It's easy to manage and they're really fair in terms of limit increases. I've had no issues with Zopa so far. Just be careful if your credit card is set up to be paid automatically - the direct debit is set about 7 days in advance, so if you make a manual payment the direct debit amount won't adjust. They're quick to refund you any amount you've overpaid though and that's a pretty easy process to sort out as well. Reviewed on: 28th February 2025

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