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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Pick this credit card

It's the most user friendly app of the other credit lenders I've used, really clear and simple to find information for example account details pin and credit cushion so you won't be using more than you want. I've not had to use any customer services so far due to how simple the app is. Reviewed on: 15th January 2025

Very easy and simple to use.

Very easy and simple to use. Very straightforward as well. Reviewed on: 15th January 2025

Excellent service excellent rate

Excellent service excellent rate Reviewed on: 15th January 2025

They were excellent and efficient did not give you m...

They were excellent and efficient did not give you more than you could afford and give regular updates Reviewed on: 15th January 2025

Zopa have been brilliant they are a great credit car...

Zopa have been brilliant they are a great credit card company . Reviewed on: 15th January 2025

The first I approached Zopa online, received excelle...

The first I approached Zopa online, received excellent responses and satisfactory attentions and my demands were met. I will surely recommend Zopa to anyone. Reviewed on: 15th January 2025

Great experience Truely amazing and helpful too

Great experience Truely amazing and helpful too Reviewed on: 15th January 2025

Enjoying being with them

Since joining never had a problem Reviewed on: 15th January 2025

Was recommended at 1st and experience has matched re...

Was recommended at 1st and experience has matched recommendations Reviewed on: 15th January 2025

Easy to apply and great starter credit

Easy to apply and great starter credit Reviewed on: 15th January 2025

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