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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 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)

In my time using Zopa everything is very straightfor...

In my time using Zopa everything is very straightforward, user friendly - easy to follow guidelines and steps The very occasional time I have contacted Customer Services , easy , pleasant and efficient Reviewed on: 18th January 2025

Great service understanding and quick

Great service understanding and quick Reviewed on: 18th January 2025

I was struggling to get credit and zopa give me a ch...

I was struggling to get credit and zopa give me a chance when I needed it and can't thank them enough for that app is nice and easy to use and the repayments are cheap enough Reviewed on: 18th January 2025

Can't live without your bank help .

Can't live without your bank help . Thanks a million times. Reviewed on: 18th January 2025

Easy to use and clear on payments

Easy to use and clear on payments Reviewed on: 18th January 2025

Zopa card: Strongly recommend for any responsible pe...

Zopa card: Strongly recommend for any responsible person, trying to recover a low credit score. My IVA was paid to off earlier, so I applied for credit history building cards on clear score. The only lender willing to give me a card was Zopa. The application took minutes. My card arrived within four days. The limit is tiny, but it fits the purpose of recovering a poor score. Reviewed on: 18th January 2025

Zopa very good on Customer Service and support alway...

Zopa very good on Customer Service and support always sending out very helpful and useful information the app provides everything you need to know about Zopa I use Zopa more than then any other card I have I’ll never ever stop using ZOPA !!!!!! Reviewed on: 18th January 2025

I really like zopa had and have a few cards but they...

I really like zopa had and have a few cards but they are the best to deal with very happy Reviewed on: 18th January 2025

Zopa very easy to apply for credit...

Zopa made it was very easy to apply for credit Reviewed on: 18th January 2025

Provides us with a good service , when contacted al...

Provides us with a good service , when contacted always solves our problems Reviewed on: 18th January 2025

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