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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

As someone with bad credit I have managed this accou...

As someone with bad credit I have managed this account easily. No silly increases I know exactly what I have and when I can use it Reviewed on: 5th March 2024

Excellent from point of application to now.

Excellent from point of application to now. Helpful friendly staff. Easy to use app Reviewed on: 5th March 2024

Very good and very responsive

Very good and very responsive.protencial attitudes Reviewed on: 5th March 2024

good start i’m happy and easy to apply credit card

good start i’m happy and easy to apply credit card Reviewed on: 5th March 2024

Madagascar

When I was in Madagascar last week I sent you a msg saying my card was not working and you suggested I change my location on my phone and it worked,I never thought about doing that ,thank you Reviewed on: 5th March 2024

my credit.

not giving enough credit. not increase my credit past 8 months Reviewed on: 5th March 2024

I have never had a problem with them

I have never had a problem with them Reviewed on: 5th March 2024

So easy to use and very aware of my situation regard...

So easy to use and very aware of my situation regarding my credit situation App is simple and easy to navigate and the immediate payment (both ways in and out ) is brilliant to keep hold of my finances Reviewed on: 5th March 2024

Very easy to apply and use , repayments are very eas...

Very easy to apply and use , repayments are very easy to set up and repayments can be made at any time aswell as extra payments Reviewed on: 5th March 2024

Straight forward application, easy to use app.

Straight forward application, easy to use app. Does exactly what it says on the tin!…great customer service. No hassle, cannot fault Zopa in any way. Reviewed on: 5th March 2024

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