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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)

Quick, easy and not expensive

Can't fault Zopa at all. Credit card application was done in a couple of minutes, credit limit was accepted at a reasonable level and the monitoring app couldn't be easier! Reviewed on: 12th April 2023

Quick easy painless

I required a small amount credit card to build my credit score, and used clear score this was the first one to come up, application process was quick and easy got accepted straight away and the card arrived with in a couple of days. The easy to use app and updates via notification or email about states, couldn’t of been easier Reviewed on: 12th April 2023

Good service

Good APR and very good services Reviewed on: 12th April 2023

Great company

Having had credit problems in my past it has not been easy to get a cc but then along come Zopa. Easy to apply and wow done! Customer service great,starting amount great and continuing to be great. Thank you Zopa. Reviewed on: 12th April 2023

Very reliable service

It's a good relief for me and am so grateful that my application was accepted and approved, it came in at the moment l think it's over .am so grateful and do appreciate the reputable organisation. Reviewed on: 12th April 2023

Very easy to use

Its Helped me build my credit history up when no other credit card company would Reviewed on: 12th April 2023

Hassle free

Hassle free I never had a problem with zopa or the card. I am kept well informed of any changes that are being made. Using the app is simple to use and has always made any questions I have had easy to get answers Reviewed on: 12th April 2023

Easy to use credit card

The card is so easy to use alongside the app payments go on straight away and when u pay money off it updates immediately so you know exactly where u are with your money Reviewed on: 12th April 2023

Very good

Great card and services good all round credit card always helpful Reviewed on: 12th April 2023

Easy

Zopa makes it easy. Whether it's the initial application, the app, keeping on top of your money, making payments, it's all just easy. Reviewed on: 12th April 2023

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