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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

The best

I really like how easy it is to use and manage my expenses through the app. Reviewed on: 18th April 2023

Credit card

Very good easy to deal with good friendly staff you can cont6 Reviewed on: 18th April 2023

amazing credit card

if u want to have credit card it should be zopa. you can keep an eye on your spending and on top u can have saver account and how to improved ur credit score on same app Reviewed on: 17th April 2023

fair

very good ..reasonable interest rates and decent app for online payments etc.. overall this card I'm happy with and have no complaints Reviewed on: 17th April 2023

Easy and quick

This is very good product for people with poor credit score. Applying was quick and easy. Managing your car using app and google wallet is so convenient. Brilliant. Reviewed on: 17th April 2023

Help when I needed it

The exhaust on my vehicle needed replacing at a cost of over £1000. Using my Zopa credit card I was able to look round and buy the parts for half the quoted cost. Thankyou Zopa Reviewed on: 17th April 2023

Excellent service

This Credit card offers great value and excellent service. Impressive on line facilities. Reviewed on: 17th April 2023

Excellent

Can not praise Zopa enough great service and customer service along with a easy to use app Reviewed on: 16th April 2023

Quick and easy to apply.

Great service, easy to navigate in the app. Reviewed on: 16th April 2023

Great service when needed

From taking out the zopa credit card, the service and assistance has been faultless. There was a brief period where I required a little breathing space as financial obligations had become too much, Zopa actively tried to help, offering multiple options and settling my nerves, as we all know, finances are very unsettling nowadays. I cannot praise zopa team members enough and truly believe they deserve the recognition this award would bring Reviewed on: 16th April 2023

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