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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)

Very prompt

Quality service ,very easy application process easy to use app overall very good would recommend to anyone trying to build credit records Reviewed on: 12th April 2023

Go for it, great credit card provider

If your thinking of applying for zopa credit card, i can only suggest you go for it,, zopa is a fantastic credit provider, i do not have any bad points with this company at all. Reviewed on: 12th April 2023

Best credit card company

Best credit card company ❤️❤️❤️ . I will countinu to use your credit card. Reviewed on: 12th April 2023

Credit build

Great product and very helpful. Enabled me to start to rebuild my credit rating after a tough financial few years Reviewed on: 12th April 2023

Excellent

Great rate and fantastic service Reviewed on: 12th April 2023

excellent service and product

Always excellent service. Communication is always proactive and always helpful. Would recommend. Reviewed on: 12th April 2023

Great credit card

Great credit card with good rates Reviewed on: 12th April 2023

Fantastic

I only signed up not long ago and they were quick with the process. Giving me a chance to better my credit score. It's a difficult card to be able to get, but they gave me a reasonable credit allowance. And it's allowing me to travel. I'm only 22, so an opportunity to be pre-approved for a credit card company like Zopa means so much. I haven't had many years in building credit, and I've been buying my first car, my first phone, so my credit score has taken a hit due to now being responsible for my own necessities and not having the funds to pay outright. I am very thankful to Zopa and I will be sensible and hopefully increase my credit score with this. Reviewed on: 12th April 2023

Good company

Had bad credit and I I got accepted straight away with Zopa with a good credit limit emails texts come through with alerts to let you know when it’s coming out so you don’t miss a payment. Really good company Reviewed on: 12th April 2023

Great Card

I have been with zopa it’s great to use Reviewed on: 12th April 2023

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