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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)

Excellent security

Zopa were speedy to deliver my credit card once I had been authorised. I was scammed but it was Zopa who noticed and blocked my card from future use sending me a new one. Reviewed on: 15th January 2025

Lovely bank.

Lovely bank. This was the first bank that offered me a credit card when initially moved to the uk. Zopa has since increased my credit limit and helped build my credit score Reviewed on: 15th January 2025

Excellent service and no probs watsoever

Excellent service and no probs watsoever Reviewed on: 15th January 2025

Good provider

Overall very good not the best APR but not the worst. Reviewed on: 15th January 2025

I had bad credit and didn't expect to be accepted..

I had bad credit and didn't expect to be accepted. I applied and was accepted straight away. I accept the rate too. I'd highly recommend this card to anyone wanting to build their credit rating. The only thing is to date no credit limit increase has been offered. Reviewed on: 15th January 2025

Very helpful if you need to ask anything.

Very helpful if you need to ask anything. The app is easy to use and understand. Any contact by email or letter is all written in straight forward easy to understand language Reviewed on: 15th January 2025

All round great

Really good credit card and great customer service, they have offered me 2 credit increases and customer service are always very helpful and quick to solve my queries and answer my questions. Reviewed on: 15th January 2025

excellent and faster service the best !

excellent and faster service the best !!!! Reviewed on: 15th January 2025

They give free credit report and monitoring your exp...

They give free credit report and monitoring your expenses for you Reviewed on: 15th January 2025

Excellent company

It was good from beginning to end Reviewed on: 15th January 2025

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