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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)

Application easyband straight forward.

Application easyband straight forward. Zopa team very helpful and the services are good Reviewed on: 16th April 2026

I have a low credit rating and got accepted by zopa...

I have a low credit rating and got accepted by zopa which has been great..it also builds my credit rating.i use it them pay it off..with the cost of living ususally by end month before pay day your skint so having zopa helps. Reviewed on: 16th April 2026

Brilliant service everytime I use my card

Brilliant service everytime I use my card Reviewed on: 16th April 2026

A verry good credit card.

A verry good credit card.A great credit card with a low interest rate and plenty of flexibility to meet your needs. Reviewed on: 16th April 2026

Good communication when you need to speak to someone...

Good communication when you need to speak to someone no hidden cost Reviewed on: 16th April 2026

Excellent service

I have had no problems with Zopa. Excellent service. Always able to make contact and supportive Reviewed on: 16th April 2026

Having been refused by other credit cards, I found Z...

Having been refused by other credit cards, I found Zopa viewed my application more on openly irrespective of my credit rating. Reviewed on: 16th April 2026

As a new card member it’s difficult to make assessme...

As a new card member it’s difficult to make assessments at the moment. But starting to use the card was simple and hassle free Reviewed on: 16th April 2026

Easy, fast, reliable, affordable

Easy, fast, reliable, affordable Reviewed on: 16th April 2026

Great customer service easy app straightforward

Great customer service easy app straightforward Reviewed on: 16th April 2026

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