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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)

Excellent customer service

Zopa is very clear with their terms and conditions of credit card contract. Also sends payment gentle reminder on time Reviewed on: 11th April 2023

Great

Zopa is super very helpful.Thanks Reviewed on: 11th April 2023

Life saver

Helping me to get by in difficult life changing times. The most useful and practical card to have for your day to day life Reviewed on: 11th April 2023

Good Credit-Builder Card

East to apply. Useful App, with features to help build credit score. Reviewed on: 11th April 2023

Interest rates

Great card and reasonable interest rates Reviewed on: 11th April 2023

Very easy to use

I love the Zopa credit card, great for building my credit score and general use. No hassle to set up and has contactless so I’m pleased to use this amazing card. Reviewed on: 11th April 2023

Easy, honest, simple

Does exactly what’s advertised and how it’s supposed to work Reviewed on: 11th April 2023

Leveller

My credit score has never been so good. Continuous reminders that keep you within limits etc. App so direct. Reviewed on: 11th April 2023

Good

The Best 10 star+++ Easy to apply,to use Reviewed on: 11th April 2023

Great card and reasonable interest rates

Would recommend to everyone that are trying to build their credit scores Reviewed on: 11th April 2023

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