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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)

Great service!

Great service and excellent product, if used correctly, to build credit Reviewed on: 11th January 2024

a knowledgeable bank

a very understanding bank that would stand by your side to help in any way Reviewed on: 11th January 2024

My cardy and fast process always there in an eme...

Such an easy and fast process always there in an emergency. Reviewed on: 11th January 2024

When I needed money to pay some things zopa credit...

When I needed money to pay some things zopa credit card was very much helpful Reviewed on: 11th January 2024

Very good experience!!

Very good experience! And very good usening Reviewed on: 11th January 2024

I didn't have credit history and it was the only com...

I didn't have credit history and it was the only company accepting my application, I've locked my card when I was abroad, and it was so simple and fast to unblock it. Reviewed on: 11th January 2024

Started of with low credit when I first took out a Z...

Started of with low credit when I first took out a Zopa credit card and it had helped me build my credit. Zopa has had a positive effect on my credit and I really really appreciate it Reviewed on: 11th January 2024

Lifesaver

With a poor credit rating at the moment a credit card from Zopa has been a lifesaver for me, Reviewed on: 11th January 2024

Excellent service

I find. Using Zopa easy including the app had to contact customer service and was very helpful all the way Reviewed on: 11th January 2024

Very happy from begging to end.

Very happy from begging to end. Was quick and simple to apply, didnt rake long to set up and start. Helped me when i needed it the most. Thumbs up from me always. Reviewed on: 11th January 2024

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