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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Friendly, practical and is a great card for realisti...

Friendly, practical and is a great card for realistic credit limit tailored to financial circumstances Reviewed on: 9th April 2024

Very quick decision, really easy process, received t...

Very quick decision, really easy process, received the card quickly and would highly recommend Reviewed on: 9th April 2024

Easy to use app, never any issues with making payments.

Easy to use app, never any issues with making payments. Everything is very smooth. Reviewed on: 9th April 2024

Super Zopa

Such an easy to use service. Open clear and honest. No hidden clauses Reviewed on: 9th April 2024

Zopa absolutely makes sense.

Having a middling credit score was not an issue and was welcomed with a reasonable limit and an app which is 5 stars for usability. Very pleased with the customer service and I am pleased to say, that I would recommend Zopa to anyone that wants help with Improving their credit score and even budgeting. Reviewed on: 9th April 2024

Staff polite friendly and knowledgeable

Staff polite friendly and knowledgeable Reviewed on: 9th April 2024

Neutral Review it's a Credit Card with extortionate...

Neutral Review it's a Credit Card with extortionate APR Reviewed on: 9th April 2024

Zopa keeps you upto date any questions and there ans...

Zopa keeps you upto date any questions and there answer them as quick as possible. Reviewed on: 9th April 2024

Excellent customer service ,

Excellent customer service , very happy to use zopa credit card Reviewed on: 9th April 2024

Superb service and app is fabulous.

Superb service and app is fabulous. Reviewed on: 9th April 2024

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