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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)

Easy to use

Easy to use easy to contact App is explanatory and payments are easy Reviewed on: 10th January 2024

I joined Zopa to help my credit score, Zopa keep me...

I joined Zopa to help my credit score, Zopa keep me informed and give me recommendations both good and bad on how to keep my score and how to make it better, they always keep me informed, and offer support if needed. Reviewed on: 10th January 2024

Excellent customer service customer service.

Excellent customer service. Straight forward App. Reviewed on: 10th January 2024

easy , how credit should be .

easy , how credit should be .No hassle Reviewed on: 10th January 2024

Financial security & support are the excellent

Financial security & support are the excellent Reviewed on: 10th January 2024

Applying for a ZOPA credit card.

So quick and easy to apply for a credit card. Excellent service Reviewed on: 10th January 2024

Great service, quick response, easy repayment process.

Great service, quick response, easy repayment process. Reviewed on: 10th January 2024

Service and knowledge

First class service whenever I’ve needed to talk to someone Reviewed on: 10th January 2024

An easy to manage credit card for building up your c...

An easy to manage credit card for building up your credit score Reviewed on: 10th January 2024

Simple and easy

So easy to deal with. My penal experience has been absolutely fantastic! Always ther as a back-up, should the need arise - which it occasionally does…always something unexpected that you didn’t budget for. Reviewed on: 10th January 2024

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