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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)

Always very good experience.

Always very good experience. Never had any problems, zopa are always there to help in any situation Reviewed on: 28th February 2025

Quick application process.

Quick application process. Easy to use app. Regular credit limit monitoring and increase. Reviewed on: 28th February 2025

Recommend over other credit card providers

I got credit card with Zopa few months back, I have opened a savings account with them recently, had to make enquiries over a phone and got help for it without any issues. My payments show online straight away, which is fantastic, not like with other providers where you have to wait 2-3 days. The online app is straight forward, clear, easy to understand and to use. I'm very happy with them and looking forward yo increase g my credit limit to improve my credit score as well. Reviewed on: 28th February 2025

Zopa Credit Card Helped Me Build My Small Business!

Zopa has given me the opportunity I’m so grateful for the Zopa credit card! It has truly given me the opportunity to take control of my finances and build credit when I needed it most. Thanks to Zopa, I was able to access the funds that helped me start my own small business. The process was simple and stress-free, and I’ve been able to manage my payments easily. I really appreciate how Zopa has supported my financial journey and helped turn my dreams into reality. Highly recommend for anyone looking for a reliable credit card to help with personal or business goals! Reviewed on: 28th February 2025

Really well built app and great service.

Really well built app and great service. The app is simply to follow and has been developed with common sense, and the customer service is wonderful. Any questions or issues have been dealt with efficiently and with courtesy. Reviewed on: 28th February 2025

Great communication easy to use and understand infor...

Great communication easy to use and understand information Reviewed on: 28th February 2025

Zopa is great!

I have found Zopa to be easy to access - both by phone and on the app. Staff have been friendly, I have got the products I needed and updates/communications are relevant and appropriate to me. Reviewed on: 28th February 2025

Card is great

Card is great overall 10/10 easy to use Reviewed on: 28th February 2025

Very happy with the service I've had

Very happy with the service I would recommend the. Reviewed on: 28th February 2025

Great company, had no issues and increased my limits...

Great company, had no issues and increased my limits with ease Reviewed on: 28th February 2025

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