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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)

brilliant all round

I have had no problems and the app is very easy to navigate Reviewed on: 16th January 2025

Any issues that have been raised were resolved in a...

Any issues that have been raised were resolved in a timely professional nanner Reviewed on: 16th January 2025

Easy to apply and easy to use app is very...

Easy to apply and easy to use app is very easy as well Reviewed on: 16th January 2025

Very friendly and helpful customer service.

Very friendly and helpful customer service. Reviewed on: 16th January 2025

Staff are very helpful and courteous and solve probl...

Staff are very helpful and courteous and solve problems quickly Reviewed on: 16th January 2025

So far it’s been great.

So far it’s been great, good rates, easy to us and manage and good facilities. Reviewed on: 16th January 2025

Choosing Zopa as a credit card provider has turned o...

Choosing Zopa as a credit card provider has turned out to be a great choice. The account was easy to set up and the app is easy to navigate, with some insightful features to help manage your finances and look after your credit score. Fantastic customer service, very happy with Zopa and will recommend to others. Reviewed on: 16th January 2025

Zopa are outstanding thus far

From the moment I accessed the app I knew Zopa were a completely different solution from other providers. The app is intuitive and contains lots of useful information. The Credit cushion is genius. Credit scoring info is accessible and supportive insights are provided. Additional lending availability is clear but not forced on you. AND they make it easy for you to pay them back and owe them less. Reviewed on: 16th January 2025

Zopa app is so easy to use and would recommend I hav...

Zopa app is so easy to use and would recommend I have no issues Reviewed on: 16th January 2025

Excellent

Excellent Highly recommend and will be using again . Excellent , thankyou . Reviewed on: 16th January 2025

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