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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)

Happy customer

Very easy to apply app is easy to use Reviewed on: 15th January 2025

I had very poor credit, but Zopa have allowed me to...

I had very poor credit, but Zopa have allowed me to build on that. It's the best card I've had. Reviewed on: 15th January 2025

Great service all around.

Great service all around. Very happy too rexxomwnd Reviewed on: 15th January 2025

I have not had any issues since tsking out a Zopa card.

I have not had any issues since tsking out a Zopa card. Reviewed on: 15th January 2025

No hassle transaction.

No hassle transaction. Easy to use app Reviewed on: 15th January 2025

Very easy to understand everything you need is on t...

Very easy to understand everything you need is on the app. Reviewed on: 15th January 2025

Zopa is the easiest card to use and manage improves...

Zopa is the easiest card to use and manage improves credit rating and helps manage money the credit cushion function helps control the utilisation and have that little bit for an emergency should you need it. Excellent customer service and always keeping you upto date on offers and eligibility. Reviewed on: 15th January 2025

Simple, just simple

Easy company to deal with. Good comunication Reviewed on: 15th January 2025

Easy to use and good communication

Easy to use and good communication Reviewed on: 15th January 2025

Had no problems with my zopa card

Had no problems with my zopa card Reviewed on: 15th January 2025

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