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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 service, never had any issues with the card

Excellent service, never had any issues with the card Reviewed on: 15th January 2025

Brilliant company

Very easy to set up, great app direct debit payments, I’ve struggled getting credit after an Iva following my marriage break up and this company have put me back in the real world thankyou Reviewed on: 15th January 2025

Could do better

Ok the limit has stayed the same which is poor as I always pay my balance off asap Reviewed on: 15th January 2025

Zopa you can trust .

Zopa helps when some won't, they have helped me balance financially and support my needs Reviewed on: 15th January 2025

The Zopa app is amazing!

The Zopa app is amazing! Easy to use and informative! Gives you an update on offers available to you. Reviewed on: 15th January 2025

Great and so easy to use

Great and so easy to use app is so easy to track what’s been spent and how much the payment will be Reviewed on: 15th January 2025

So,easy to apply.

So,easy to apply.The process is so quicki highly commend zopa Reviewed on: 15th January 2025

Hassle free service and the app is excellent

Hassle free service and the app is excellent Reviewed on: 15th January 2025

very straight forward to sign up and had no problems...

very straight forward to sign up and had no problems using the card Reviewed on: 15th January 2025

Zopa gave me a card when most wouldn't, I've used it...

Zopa gave me a card when most wouldn't, I've used it when needed and kept up with repayments. Now my limit has been increased Reviewed on: 15th January 2025

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